Nationstar Mortgage

In May 2011, I received my mortgage statement from Nationstar Mortgage with a $700.00 increase added on to my regularly scheduled mortgage payment. I was confused and called Nationstar and was told that it was because I never paid my first mortgage payment when my mortgage was sold to them. I told the customer service rep that I did and faxed her proof of payment. I thought all was well and sent in my regularly scheduled amount for May 2011. I then received my June statement with the same problem--the $700.00 increase. I called Nationstar again and could not get a straight answer for the increase.

Then, after several phone calls, a customer rep told me it was because I did not pay my taxes. I was confused. Nationstar is supposed to pay my taxes through my escrow. The rep could not explain exactly what happened and I was forced to pay the increased amount. I never received any letter explaining what happened and received a bill from NYC Dept. of Finance saying I owed $5,000.00 in property taxes. What I do not understand is that if the taxes were not paid, where were my escrow payments going?

Now, this increased price does not have a time limit, Nationstar sold my mortgage to another company and won't speak to me about the problem. Nationstar has also put two 30-day lates in my credit report for May 2011 and June 2011, even though I paid in May what I owed and paid June as well. I faxed over a letter with my information to request that they take those 30-day lates off as I cannot refinance my mortgage because of them. That was on Dec. 12, 2011 and after several phone calls with promises to take care of it, the request by me has not even been sent to the correct department. I am feeling like I am being scammed as far as the increase goes and am being punished for their mistakes.

My loan got transferred to Nationstar in December 2011 from Bank of America. Every month they call me on a daily basis to tell me to make my payment. I have signed up twice for automatic debit. They are the worst! I have had to make Western Union payments and pay the charge each month due to their inability. And the website has been down all week. When I asked the collections caller how long is the website going to be down, they do not know. Is this place going bankrupt?

Since my mortgage was sold to Nationstar from CitiMortgage, I have had nothing but a bad experience, harassing calls, extremely bad and rude service. I wish I never had to deal with this company.

I agree with all of the previous posters. Nationstar is a terrible company. They sneak in hidden fees that they call " legal fees". They need to be shut down!

I must say that I have had nothing but good to say about Nationstar Mortgage. My loan was sold to them in November of 2011 from Citimortgage and at the time I was behind on my payments. I had already been put on to a loan modification through Citimortgage so Nationstar had to follow the terms of my transferred mortgage. I had been 4 months behind at one point and they have been nothing but patient with me and worked with me throughout this whole time. I have gone from 4 months behind to now 1 month behind and will have it completely caught up by the end of March. If you make an arrangement with them and follow the arrangements, you shouldn't have any trouble. I wanted to say something good about them on here seeing as there are many complaints against them.

GMAC sold my mortgage to Nationstar back in 2008. (1) Every month, they are not paying my property taxes. (2) They have my primary and mailing address the same but with two completely different ZIP codes. I have for two years been pleading that they correct that but to no avail; it fell on deaf ears. I no longer received my monthly mortgage statement, and after three months of asking why, I was told by 10 different reps that it's illegal to ask me to pay a debt. However, I have a 16-day grace period if my mortgage is not paid by the second.

I'm getting at least 5 calls a day reminding me that my mortgage has not been paid yet! Let me get this right. You can ask for money on paper but you can verbally call 5x a day and ask for money? And last but not least, they refused to send me my 1098 Tax Form until I became extremely irate. And finally, one of the reps emailed it to me in February. Isn't that illegal? Hmmm. This company should be shut down! I am writing President Obama about this financial institution. I really think there is a scam or something going on!

I contacted repeatedly the website which has been down for the past 2 days to access my account information. Also, I attempted to request information that they sent me literature on that I qualified for refinance, only to say, denied. I am very unhappy about this loan being sold from Bank of America to Nationstar. They are a terrible company.

I have never dealt with a more incompetent company. They don't apply my mortgage payment correctly every single month and I have to call every single month to inform them that I actually have paid my mortgage and should not have been charged any late fees. It would be laughable if I wasn't so angry with them. I spend at least an hour on the phone with them every time just to have them apply my money correctly. It's absolutely ridiculous. Worst company ever.

Our mortgage was also sold to Nationstar. They are the worst company we have ever had the displeasure of dealing with. The latest treat was a collection call from them saying our payment was overdue, um, no. We made an extra principal payment that was wrongly applied and then reapplied, all without our knowledge. It's interesting how you have to go through ten different menus to talk to their customer service, but when they assume you haven't paid them they have the nerve to harass you at work. I had to take 2 hours out of my day to deal with this sad excuse for a mortgage company. IT's too bad I'm honest and pay our bills because I would love to ** them over!

I draw disability from Social Security due to a mental breakdown after my only son was killed in 2004. I have lived in this same home since 1985 never being late on a payment but this last year, my loan was sold to Nationstar at which time I began to have financial problems due to unexpected medical bills. I notified Nationstar and applied for a forbearance which would have put my house payments off for a short while. I was in touch with many by email weekly and have all of these emails putting me from one "Specialist" to another.

I was finally told this was not approved after submitting all required information. They told me that they would try and get us a loan modification. This started in July of 2011. Finally, I was notified in November of 2011 and was told I did not qualify for this either. If I could not come up with prior payments due by November 2011, they would do a short sale on my home. I could not believe what I was being told as I only owe $11,000 on my home. The equity in my home is around $70,000 and finally I worked out where I would pay $217 per month more that my regular house payment. I could not make the payment before the increase but now I am paying $217 more plus large attorney fees added on to my note. What are these for? I have never had such a bad experience. I thought Obama was helping people, I believe Nationstar is a sham company and should be stopped taking advantage of people who are trying to keep their homes. Please post this and pass on to legal officials that should get involved.

My mortgage was sold to Nation Star from Bank of America. It has not been an easy transition, but not half as difficult as some of the reviews I have read. All I want to do is set up auto pay from my savings account. I filled out the form with all required information and faxed it in. I get a letter stating I needed a letter from my bank since I wanted to draft from a savings account.

It never specified what needed to be in the letter or why I needed to even get one. I then called the customer service center to ask what details need to be captured in the letter and the rep kept telling me I needed to send a copy of a check! After telling him for the 3rd time you don't have checks with a savings account, I asked to speak with someone who could explain the situation to me. The supervisor also put me on a "1-2 minute hold" to only come back and tell me that I need the bank to "verify" the account, even though I offered her all the information.

To top this experience off, she "cheerfully" tells me that I could have done this online! After collecting myself, I explained that they needed to modify their letter stating this as an option; better yet, have it listed as an option on their website (which it isn't). Finally, when I gave her feedback about the first rep I spoke with, she stated, "I will get on him for that!"

They are the worst! I now, more than ever, have even more disrespect for Bank of America. They have no respect for their customers to sell the loans to this type of company! They don't care--not like they ever really did! On a different note, how about how they continue you call your house asking you to contact them, but they are always leaving messages about calling during times they aren't open! I was told that if you don't make your mortgage payment on the 1st of the month, they will call you every day, several times, until you make your payment! So much for a grace period!

Wow, this company is something. I have a BK from 2008 that has been discharged. At the time our home loan was with CitiMortgage, and they requested a re-affirmation for the loan, to which the BK Judge responded that it was "inappropriate" for them to request a reaffirmation, as the loan was never part of the BK and therefore in keeping with California law, did not need to be reaffirmed. Servicing rights for our loan were transferred to Nationstar in about Dec 2010, and within a couple of months we stopped receiving statements and were blocked out from our online account. Turns out that they started a new policy to not deliver any loan information to former BK clients unless they have a reaffirmation.

So after several months of dickering with them, we sent everything we had on my BK, and they finally starting sending statements and allowed online access. I thought it was all good until I checked my credit back in Sept or so 2011, and found they were reporting the loan as discharged and with a zero balance! I have taken the steps to correct, including filing complaints with the credit bureaus, but no change. I started calling them in November, and would be told that it would be investigated, but it was never changed.

I even verified with a C/S rep in late Dec. that they have the BK docs and letter from my BK Judge. So, I finally spoke to someone in their BK Department today, and she informed me that they will not be changing the way they report my status, as it is their policy that unless a reaffirmation was requested during the BK, and a reaffirmation filed, they will not report at all! I asked what would happen if I stopped asking payments, and she said that then the company would be forced to foreclose on it's lien.

We also cannot submit from our BK, as they will only accept what the Federal Government has on file for the BK, and on top of all of this, our C/S should never have accepted our documents or started delivery of statements or granted access to our online account. You gotta be kidding me! Even though they had a copy of the letter from my BK Judge, they won't accept it and it's against their policy to report correctly. Holy smokes. Calling my lawyer next, but if you have a similar situation, let me know.

As with the many other complaints against this company, our loan was "sold" to Nationstar. There are so many similarities between all the complaints. They paid my insurance from escrow, even though I had insurance from State Farm (and had State Farm send them the info). They also stepped in and paid the county taxes without our knowledge, even though we were not delinquent. We were struggling to make the high mortgage payments but do not recall ever missing a payment. We kept getting letters stating that we owed money (the paper said like $3800). But when we went to modify the loan, the paper stated a huge amount. I believe it was $30,000!

We then decided to do the "making home affordable" option due to the money owed as well as foreclosure threats. But now the payment is higher than what we were originally paying and it is only good for 2 years. My loan amount went from $143,000 to $168,000 after the modification. The house only appraised in the $130s. Really? I was behind $30,000 and was not foreclosed upon sooner. I admit; I am not the smartest when it comes to understanding loan terms etc., but I honestly feel something is not right. If anything is being done (i.e: class action, etc), could someone please call me? Thanks, "lost in the numbers"

My loan was transferred from Litton Loan Servicing on September 1, 2011 while 2 months into my trial loan modification period. I paid September (last of trial period), October and November to Ocwen. During those payments, I received letter of default, letters of intent and a congrats letter on my modification. Then on November 6, 2011, I received a letter stating my loan modification is denied stating I was granted a loan modification in October. Never received a letter from Ocwen. I have also received time-sensitive letter after the time frame has expired. Letter for the Dodd-Frank Certification dated on the 10th Jan 12 with a 10 day time frame. I received it on the 21 of January. I have sent all copies of all letters to NACA. I have also contacted BBB, FTC, CFPB, my Attorney General and writing the White House in this matter.

I read so many complaints on Nationstar that my eyes got tired. Well, here is another one, my own! Like some many of you, my mortgage also was sold to Nationstar. Due to a loss of income, we were making our payments late for about 6 months. However, they never reached 30 days. I had been trying to get Nationstar to help me with some type of relief. I was told that it was nothing they could do. Then I got a call from them in Dec of 2011 stating that I could apply for the HAMP but it had to be in before the end of the year. We submitted all the information as requested and were told that we would get an answer in about 2 weeks, but no longer than 6 weeks.

They suggested that we check in weekly. Just like the previous months, they starting calling me about the December payment; each time, I shared that we were in the HAMP process. It seemed each representative had a different collection angle. One told me that even if I was approved, that I still would have to get caught up on any previous months' balances before I could use HAMP. How stupid was that!

I called the bank about every 3 days to check on the application status. Each time I was told that it was in process. Then during the second week, I spoke to a gentlemen in the bank's HAMP section. He told me that everything looks like you are approved (this was on January 6th). He gave me my new principal and interest payment and a guess on what the escrow will be. He said that they needed to get the amount back from Escrow department before he could give me the exact number. He shared that our new payment would go into effect February 2012. That we would need to make the payments on time for 3 months and then they would convert it permanently in April 2012.

Since we were paying $1920 per month, our payments would drop to around $934 ($634 Principal and Interest plus around $300 escrow). The new payment would include all past due balances (December 2011 and January 2012) and all late fees. We were excited and re-charged! This new payment would now allow us to get caught up on some other bills.

Then the next week, just about 4 days later, I get a call from the bank asking me for the payments for December and January. I shared with the representative that we were in HAMP and we were just waiting to get notified as to what the final payment would be per the conversation on the 6th of January. Then she put me on hold for about 1-2 minutes. When she returned she said, "Sir, you have not been approved." I told her that that was impossible, that I had just spoken to them on Friday (4 days earlier). She said, "You have not been approved and we need your payment for December and January's is due in a few days as well." I told her that I wanted to talk to one of their HAMP persons.

I was finally able to get in touch with one of the persons that I had sent the initial paperwork too. I told her what had happened. She told me that the individual should not have told me that I was approved. Then she began to tell me that the bank was concerned that I could not make the $934 monthly payment. Keep in mind that I was already paying $1920. I told her that this was insane. She said that it was nothing that she could do. I asked if she would transfer me to a supervisor or manager and she refused! Now the bank's representatives are calling again asking for the payments.

Any suggestions on how I should handle this situation?

To date, since I purchased my home in 2007, I have had 4 mortgage companies. This is not by my choice. In November 2011, my mortgage was transferred or given to Nationstar by Bank of America. Since then I have tried to contact both to get information about my escrow account, loan balance, amount of payment, and loan activity. The only answer I have gotten from nationstar is pay your normal amount. I have called every week since this transfer and I have talked to numerous individuals. Some were nice, some were not so nice. The end result is always similar. We will mail the requested materials. As a result, I am unable to file my taxes properly. I have filed a complaint with the State of Wisconsin Department of Financial Institutions and I am waiting for some resolution. If I had a choice Nationstar would never receive my mortgage or a dime of my hard earned money.

I lost my job and was unable for several months to pay my mortgage. I was put on a repayment plan and was making my payments. But I was then harassed by very unprofessional and cruel people demanding 2 payments in one month. I am a single mother raising my child. I am trying to do everything I need to do in order to keep my home. I feel these people are both harassing and threatening. I want to catch up on my payments, but they refuse to let me do what must be done in order to do that and be able to live and work in peace.

Introduction: This complaint alleges inter alia that Nationstar Mortgage wrongfully foreclosed on real property commonly known as **. Specifically, Nationstar repeatedly and falsely told Plaintiff that his loan modification was either in-process or had been approved, failed to inform plaintiff that his loan-modification application had been denied, and that this failure prevents plaintiff from exercising legal rights, including but not limited to, Chapter 13 bankruptcy, that would have allowed him to retain title to his home, which he largely built with his own hands.

Keith demands a trial by jury. For these reasons, the Court should vacate the Foreclosure Sale, restore title to the Home to Keith as title existed prior to the Foreclosure Sale, award Cabaniss economic and punitive damages, award Keith all costs and attorney fees incurred in this action, and award Keith all such further relief that the Court deems as is just, proper or appropriate.

I was in the process of a loan modification with First Horizon Home Loans. As of July 2011, my mortgage is being handled by Nationstar Mortgage. I received a phone call stating that my modification had been approved. I have not received any paperwork regarding my loan, they are now saying that my loan is past due, stating my previous mortgage company is saying that my June payment was not made. I have e-mailed all copies of payments to a customer service representative. (I speak to a different representative each time I call).

I now can't get out of the voice prompted message center to speak to a human. They won't let me speak to a supervisor when I have gotten through their voice prompted nightmare in the past. I continue to get numerous, daily collection calls because they are still showing my account as delinquent. I have also noticed that online, my total mortgage has increased $10,000.00. I am extremely frustrated. Nationstar Mortgage is a horrible company to do business with.

In summary, Nationstar created a problem when there was none. Based on the artificial problem, unjustifiably ruined our credit so that we cannot refinance or take advantage of government programs. The artificial problem? Nationstar paid our insurance that we had already paid 2-1/2 months earlier. They paid from our mortgage payment (principal and interest) which is in violation of our loan agreement. Thus, it looked like we did not pay our mortgage. They immediately reported to credit bureaus, ruined our credit. They gave us to a collection agency. We refunded the unnecessary insurance payment to our Nationstar account. The collection calls continue to collect monies we do not owe. Our credit remains ruined.

Like so many others, our loan was sold by GMAC to Nationstar. From that point on, we have been in the lion's den. My wife and I are having nightmares while trying to deal with Nationstar. We are with the making home affordable program, in which, our payment is still unaffordable and we are so upside down with our mortgage! To make matters worst, my wife lost her job due to an injury. We called the company continuously to plea for help and ask for an in home modification with the hopes of lowering our payments to our affordability, but with no avail.

We spoke with a representative by the name of Jake who stated to us, "unless your husband is dead or disable, there is nothing else we can do for you." This is just one of the many problems we have had dealing with Nationstar. Is there anyone out there who can help us deal with Nationstar? We are a family of 5 and our home is all we have left. We are running out of time and do not want to lose our home. We can be reached at **.

My wife and I are having nightmares, while trying to deal with Nationstar. We are with the making home affordable program, in which, our payment is still unaffordable! To make matters worst, my wife lost her job due to an injury. We called the company continuously to plea for help, and ask for an in home modification, with the hopes of lowering our payments to our affordability, but to no avail. We spoke with a representative, Jake, who stated that unless my husband is dead or disabled, there is nothing that they can do for you. This is just one of the many problems we have had, dealing with Nationstar. Is there anyone out there who can help us get through to Nationstar? We are a family of 5, and our home is all we have left. We will lose our home.

If 1 star indicates poor, then there should be another star for incompetent. First, Horizon transferred our loan to Nationstar and we have been trying to get a loan modification for several months. It has been in underwriting for several months after express mailing (they lost several times), faxing, and e-mailing additional info constantly. No one answers your call or returns the call. But we have been bombarded by their many call center folks, with no knowledge of our case.

It was a horrible business to deal with. BBB will not rate them. My mortgage was picked up by Nation star and the first I noticed was they did not send us anything that states how I should pay. I have to call them three times to get them to mail something to me. I was told that it will be there on Nov. 15 but nothing arrived.

I called and was told that it will arrive on the 20th but nothing again. During mid December, I received something. Good thing that I have 2 months paid ahead of time. Next, I get a letter stating that I will be charged for insurance if I did not show proof. So I contacted my insurance company and they did it. I follow up but there's no record. Now I make my first payment and its applied 100% against the principal, and my payment due date is the same.

This is horrible and we need to take action. We must flood their Facebook site and call the senate and congress reps. We must put a stop to this firm. In over 15 years of dealing with banks, I have never had an experience like this. It's the worst!

Like so many I've been reading, Citi sold our loan to Nationstar. My wife was injured on the job and we fell two payments behind affecting our 800 credit score, and today, least of my problems. Nationstar has been a nightmare in spite of documenting all my calls, fax and emails. Although I'm now 3 payments into making Home Affordable program, my new payment went from $1783 to $2266. So nice of Nationstar to include the impounds without any discussion with me.

And this is supposed to be one of the better programs available. Well, folks, we're all screwed here unless we get organized with a class action law suit. Working with Nationstar is like working with a bunch of thugs, leaving you with the choice of walking away. Well, come take my home, Nationstar. Really now, why should I make an interest only payment on a house I'm already $175,000 upside-down in? Who are these people anyways? Nationstar, even the people at NACA never heard of them, but I'm sure they will because Nationstar is destroying the lives of good, hard-working people.

We, too, have major problems with Nationstar, which has been going on from April 1st, 2011 to present. Nationstar is merely servicing our account for Fannie Mae. Try contacting/emailing those who oversee Nationstar and financial institutions. Those are FHFA (Federal Housing Finance Agency), OIG, Ombudsman, and Director Edward **; they have a website for emails. Write Nationstar CEO Jay Bray (home address is ** Southlake, TX 76092) and Fannie Mae CEO Mike Williams (home address is ** Potomac, Maryland 20854; phone **; wife is **; children **) and contact the FTC (Federal Trade Commission) overseeing financial institutions and don't forget to send the complaint to ** who are Nationstar's governing authority. Use all the tools the internet provides to get action. Every bit of this information is on the internet, although quite tedious to find. We are finally getting some action, after all our emails and letters. Best Wishes and good luck to each of you.

SEC Sues Former Fannie, Freddie Executives (article by Chad **) New York - The Securities and Exchange Commission sued several former executives of Fannie Mae and Freddie Mac, including their former chief executives, alleging they misrepresented to investors their exposure to subprime mortgage loans. The lawsuits, filed in Manhattan federal court, alleged senior executives at Federal Home Loan Mortgage Corp., or Freddie Mac, and Federal National Mortgage Association, or Fannie Mae, made false and misleading statements about their exposure. The executives include former Freddie Mac Chief Executive Richard F. Syron and former Fannie Mae CEO Daniel H. Mudd.

The SEC alleged that the Fannie Mae executives misled the public about the government-sponsored firm's exposure to subprime mortgages and so-called Alt-A loans between December 2006 and August 2008. Freddie Mac executives allegedly did the same regarding its exposure to subprime loans between March 2007 and August 2008. Fannie and Freddie reached civil nonprosecution pacts with the SEC under which they agree to accept responsibility for their conduct, but did not admit or deny wrongdoing. Fannie and Freddie also agreed to cooperate in the SEC's litigation against the former executives. The SEC sent Wells notices, indicating it planned to pursue enforcement actions, to Mr. Syron, Mr. Mudd, and other executives earlier this year. Lawyers for Mr. Syron and Mr. Mudd couldn't immediately be reached for comment on Friday.

Comment: Mr. Mudd is CEO of Fortress Investment Group which owns Nationstar Mortgage.

After reading these complaints, it is appalling that so many are having the same experience as my family. Like others, we did not choose to do business with Nationstar. Rather, Nationstar purchased our mortgage from AIG. Since that time, it has been one bad experience after another. In the past few months, the company has started calling our house approximately six times a day after the 6th of the month, to inform us that we are "late" on our mortgage. They also call my work twice a day. Like others, we have a grace period until the 16th of the month, after which, a late fee is charged. I have filed complaints with the BBB and the Texas Attorney General's Office, and would encourage others to do the same. It is shocking that a business is allowed to get away with this.

Nationstar wrongly charged me $153 more for the month of November and December 2011 for insurance lapse. However, my insurance never lapsed. I called my insurance company (Farmers). They mentioned that they sent the hazard insurance information to Nationstar as soon as the company took over from Amturst (which is so unfortunate that we have no say in this transfer) and have been updating them with renewals, etc. So, it does not make sense that they have no idea about my hazard insurance. I see that they have done this to other clients. This is clearly a predatory practice, so customers can screw up on their credit and then have no choice of leaving them or refinancing with another company.

Anyway, they reported me to the credit bureau since I paid $153 less (wrong charge) to them for November. I asked them to fix it because it is a wrong charge and my insurance really did not lapse. It is giving wrong information to the credit bureau on my capacity to pay my dues. Also, I found out that the extra $24 that I pay towards my principal was not actually added to my principal but was kept in a savings account. I am wondering if they made money on this amount. They tell me they did not know what to do with the extra amount. Is this a joke or what? I have been with many mortgage companies and they automatically credit the extra amount to the principal or at least return the extra money to me. I am just amazed how a company like this can survive.

I was sent a Home Affordable Modification Agreement by Nationstar, and it states that I must reply by December 10th (received it on the 5th, when I got home from work). I don't understand the conditions of the agreement, and there is no one who can answer my questions. I have spoken to several different people, the girl specialist assigned to my account (Alizae **), and another guy from her department. I am being given the runaround, call this or that department. Their system hasn't been updated. They can't explain the increase in my principal balance.

They have no idea what was even sent to me. This is a home loan. I need to be able to talk to someone who can answer a question about the agreement. When I asked to speak to a supervisor, I never get one. Alizae ** just left me on hold for 20 minutes, then got back on the phone, and told me that she cannot wait for me to talk to a manager any longer, and hung up on me. This service, is the worst I have ever experienced. I looked in consumer affairs earlier today, and the most recent post (11/29/11) is exactly what I experienced from Nationstar every time I called.

In 40 years of dealing with banks, I have never experienced the ridiculous manner in which their phone system operates; the customer care representatives do not have a clue. I have had my payment posted incorrectly twice. No matter what you say or request, there is no relief. They refuse to respond in writing. You call in the morning then in the afternoon, there's no record of your earlier call. You ask for a supervisor and the response is they are the supervisor.

My credit has been seriously damaged and there is nothing I can do.

Like all the others, I agree that Nationstar Mortgage, LLC, herein referred to as Inept, provides poor customer service. Well, the servicing was transferred from First Horizon Home Loans, my original lender, to Inept. At the bottom of their welcome letter, it stated that this was an attempt to collect a debt and unless I challenged it, they would presume that the debt was valid. I asked Inept to validate the debt.

Four months later and I have not made a payment as they, Inept, has not been able to validate the debt under the Fair Debt Collection Practices Act, the Dodd-Frank act or the New Mexico Uniform Commercial Code. They keep trying to lie to me as their low-level representatives have a scrip full of misrepresentations. One even told me that they have all the original mortgage documents. When I told this representative to patch us into the supervisor to verify this, the supervisor was the only one on the line and the supervisor had to say the representative was lying in so many words.

If you ask them to verify the facts, they tell you they will fold! They also tried to say that Freddie ** was the investor. Hmmm, not really as they just guarantee loans for the most part. Freddie ** said that they were the trustee but could not say for whom!

First Horizon refers all the calls to Inept. I have written Anne **, Chief Compliance Officer, General Counsel, Exec VP and asked her to provide me with the legal owner of my note, where the note is, and who is the beneficial owner of original mortgage note. Nothing so far as I am sure that no one knows where the note is. Based on that, how can I make a payment not knowing the real owner? Also I copied my state Attorney General all of the letters I sent asking for debt validation. The AG acknowledged the letters but as I have not paid a payment to Inept there is no crime yet which is fine. I will file a quiet title in another five months or so as I am sure First Horizon Home Loans, Inept and Freddie ** will not be able to tell me who the owner of my mortgage note is, where it is held and how did it get there?

My quiet title action is to tell all about the fraud that the banks are committing. I am getting everyone educated to the problems of banks using fraud to foreclose. I'll help folks to fight back using uniform commercial code, Frank-Dodd Act and the Fair Debt Collection Practices Act. Read these acts and use the law against these criminal enterprises.

We had to do a short sale on our home in AZ, and at the time had a Home Equity Loan with Principal Bank. Principal "sold" the loan to Nationstar (AKA-NSM Recovery). We make a payment monthly, almost always paying more than the minimum, and are never late, however, my cellphone and home phone shows calls from Nationstar almost every day. Sometimes they leave a message to call them, like it's urgent. I also do not have faith that they are keeping any kind of good records. I have told them to send us a breakdown of what we have paid, when they send the statement. By the way we are noting every payment, etc. I have told a NSM customer service agent many times, not to call, since we are not late. I am so sick of this. I am going to file a complaint with the FCC, and with the Better Business Bureau.

I paid my mortgage off on 24 October 2011. It has been almost 30 days and they have done nothing to get me my paper work or file with the recorder's office in our county, except to tell me that I have to request it. And the holidays will now extend the time even more. Consequently, I can't do anything with the property I own!

First, my mortgage was transferred to NationStar by Bank of America without my prior consent or knowledge. I have had nothing but issues in contacting them and their "customer service reps" have a very difficult time speaking English. But the last straw was when they sent me a notice that they want to "share" (i.e.sell) my account and certain personal information with other companies and affiliates (i.e. anyone who will pay them). Then they tell me that if I do not want this information shared, I must call their "customer service" number at 1-888-xxx-xxxx to "opt out. " I tried to call the number and I was identified by my originating phone number. At no time was there and menu option to opt out, but I did have to listen to their other promotional marketing. I finally pressed "0" enough times even after being told it was an invalid option and I got a live person. That person did comply with my request. I should not have to call and opt out. They should have to specifically request and receive my permission to opt in!

My parents have always made their house payments, I have record proof of it. They called my mom back in August of this year and told her that she had a credit of $800.00 in her escrow account. They asked her what she would like done with it. She asked them if they could apply it to her September payment and she could send in the rest to cover it. They said no problem. So September comes and before she sent in the difference, she got a foreclosure letter stating that she was behind $2623.98. Like I said, she had never ever missed a payment. We called them and (finally) got a hold of somebody. We asked them what was going on and they said we owed $1805.00 (a different amount then the paper stated) and the automated recording I got while waiting said $2100.00.

So I asked why she didn't know and put me on hold for ten minutes. When she finally came back on, she said she would get back to me about it. I also pointed out to her that there were payments shown on the records I requested that says they were paid from a forbearance account. But I have the receipts showing that she paid herself for those months. Also their records have tons of late fees that shouldn't be there, they have on their print outs that some of her monthly payments were applied in a lower amount than was paid (I have bank statements proving the actual amount paid). They are sanding people out to her house to take pictures and insisted that my mother who has severe asthma walk out to the road to get a paper stating for her to call right away. She did and all they can say is that she owes the money but they wont explain why or prove why.

She got a call from them about 4 years ago saying that she was $600.00 behind on her taxes. They gave her the option to pay all of it at once or just add a little extra each month until it was paid. So instead of paying her usual $985.03 she started sending $1076.00 (that was what extra she could afford at the time not what they recommended) a month to pay it off. But it did not stop there because they changed it to where that was her new amount every month since. Now because they can't or won't explain just what it is that she owes, they say she has until the 11th of December to pay or get out? Well, merry flipping Christmas to them too!

Any suggestions where to turn for help? Or maybe where we can file a class action suit against them? Someone needs to do something to stop this because i don't want my parents to loose their house especially since they have paid faithfully every month, and I hate to think of all the people they have already rear ended so far. I wonder how they would like it because I would certainly like to rear end a few of them.

Nationstar is unfortunately handling my Heloc since Morequity sold it to them - American General is the investor. Nationstar charges late charges, even if you aren't late, their figures are never correct, statements show "past due amounts that are incorrect." When you call, you get a different amount owed on their recording compared to what is on your statement, and their website is even worse with outdated figures. When you call, they tell you they don't know how to fix the problem. I asked to be transferred to American General, and I was "conveniently disconnected." So, why the ** are we putting up with this behavior? Let's join forces to get the service that we deserve and get Nationstar shut down.

Since July 2011, I have yet to receive a correct accounting of my HELOC.

Nationstar Mortgage sold my house while I was in the middle of doing the new government H.A.M.P program, while the the house was not to be sold in foreclosure. Until after I was either to be approved or denied the loan, which if denied I could of paid the payments that were behind and still owned my house. Nationstar is very disturbing and untrue to their words they put in a contract. This will be handled by an Attorney now.

Our loan from First Horizon was bought by Nationstar Mortgage and our first payment to them was due in September 2011. Upon receiving a notice that our automatic mortgage withdrawal may not 'kick-in' and that we should send a payment by check, thus avoiding late fees and bad credit issues, we sent Nationstar a check. I've come to find out that NationStar did withdraw our house payment, and they also cashed our check. They never contacted us to inform we made a double payment. It's been two months that Nationstar has had our money and I am still fighting this company for a refund of the double payment (Who can afford a double payment these days?)

When talking to Nationstar's customer service, and getting nowhere, I ask for their manager, or whomever they report to and I get an answer that there is nobody. No phone number, no nothing.

I have a sick feeling inside dealing with this company and will be taking our mortgage elsewhere. Here they have access to our banking account with the automatic mortgage payment. What really gets me is now we need to find another mortgage company and I'd bet we'll have new loan fees. I would never recommend this company, nor will I ever use them for any services. If there is a class action lawsuit, I would like to be part of it.

Five years ago, we bought our house with Flagstar. Without our knowledge, we got sold to Nationstar Mortgage. We have continued to make payments through them, normally without any trouble. In February of 2011, Nationstar contacted us and said we had a shortage, all of a sudden, on our escrow account in the amount of $900. When I questioned why we automatically have this due, the representative stated that it is normal for this to happen. She said that if we choose to spread it out over the year, our payment would go up $175 extra per month. But if we pay the $900 in full at that time, our payment would not increase. So of course, we paid the additional $900 in addition to our regular payment.

The following month, I noticed that my mortgage payment increased $75, so of course I called them back. They explained that the mortgage still would need to go up an additional $75 to cover the escrow shortage. I didn't understand why, but I figured they knew what they were talking about. In August 2011, we realized that we were not going to be able to make our August payment on time as I am in college full time and my husband is the only one working. We immediately contacted Nationstar before the end of August to find out what our options were. We entered into a payment arrangement where we would be paying our full payments starting on September 30th, 2011, and an additional couple hundred each month for 4 months to pay off August's mortgage.

Everyday we continued to receive harassing phone calls on both the home phone and cell phone even though we made a payment arrangement and were told that we would not receive the harassing calls daily. Sometimes they would call 5 or more times per day. When September 30th came, we paid as agreed and the harassing phone calls continued, asking for more money. I told them that if I had more money, I wouldn't have needed this so called payment arrangement that they put me in.

So two weeks later, on October 12th, 2011 we decided that even though we just made the first of 4 payments that we agreed on, we were going to stretch ourselves to pay the balance on the August payment in full at that time, plus our October payment in full and while we were at it, we paid our November payment. I paid over the phone for a small fee and the representative was understanding (or so I thought) as I continuously clarified that this was what I was paying and she stated that she would 'note the account' that I was paying off my payment arrangement, my October payment and my November payment. I would not be due again till December 1, 2011. I was very adamant that she understood me. She did try to weasel more money out of me for late fees, etc. but I was firm that this was all I could do and I would have to work on the late fees as another time.

The house was quiet for 2 weeks. And then the phone calls were coming again. Since I am so used to ignoring Nationstar (or toll free numbers in general), I haven't been answering the phone and was unaware of what they wanted. Finally today I get on my account online to see what they're fussing about and it appears that they are trying to fraud me in the amount of what I last paid. My account says that my last payment received on October 12, 2011 was $973.79. However, I was sure that I paid over $2000 to them. So I called my bank and double checked for the payment to Nationstar on October 12, 2011; the bank verifies that it was exactly $2056.36. Where is the other thousand some odd dollars that I paid them? The bank verified that they can fax Nationstar a copy of the statement showing what I paid. So I have emailed Nationstar and I have yet to hear a response back.

I am certain that this company is defrauding me more so now than ever as the last payment received isn't even the correct figures. If a class action lawsuit is filed against this company, I would like to be a part of it. The representatives all give different stories each time you call, they sound like they haven't even finished high school and I doubt they even know what they're talking about. In the meantime, how do I go about getting my loan transferred to another company?

Applied for loan modification. Amtrust bank went under-loan sold to Nationstar. Nationstar claims loan not processed correctly, asked us to reapply. 8/22/11 denied with Nationstar. Upon review found $20k forced placed insurance, asked for refund. In good faith sent $65k cash to apply to $84k outstanding. 8/31 Nationstar moved to foreclose. House worth 1million loan balance approximately $284k.

I am writing just so everyone knows because I feel like this company should be addressed. I was with First Horizon Loans and then I find out that my loan had been sold. The bad thing is I have been through a divorce and remarried. I have tried to tell this company that I have the house so I still send mail to it.

It has been months of trying to get them to understand to stop sending it to my ex-husband because he doesn't give me the statements. The representative told me that I have to go online and print my statements every month now. I was like, why would you send it to my ex when I am telling you to just mail the statements to my house and I would send legal paperworks showing that I have a quick claim and it is my house. No one wanted to listen that I finally got one statement. Now, a few months later, I have finally gotten the whole big mess that I have been in with my ex almost fixed, and all the bills caught up that he left unpaid that I was unaware of. I have been doing all I can to keep the house within 30 days of payments. I have my payment due on the 1st and got a grace period until the 16th.

Today is November 6, 2011 and I got home from church and what do I get? I get a call telling me that I am late on my payment. I told her that I have until the 16th. Melissa told me, "Yes, you have a grace period but I will be calling you everyday from now on after the 6th." I told her that I get paid every 2 weeks and I will mail a check but she continued on and I have never been talked to so rudely by a company ever. I have told her that as soon as I get my stuff in order which I have checked into other mortgage companies and banks, and it will take me about a year to get it. And that I am going to refinance under my name alone to take my ex-husband off and I will not refinance through his company and that if anyone asks, I will tell them to stay far away from this company.

I emailed about the statements after I had that call but I never got a response to my email. I read reviews and it looks like other people are having the same issues with this company. I just hope that people read these reviews and stay away from this company. As soon as I can, I will get away from them. I think it's horrible that a company will call people who are not really late yet or call people bugging them, when they are trying to get things caught up then there are people who haven't paid payments or even try to get caught up but they don't have to be bugged with calls on a daily basis. I hope this company eventually gets investigated. They are not someone I will ever deal with again. As soon as I can, I am going to take my loan and go somewhere else.

I lost my job over 18 months ago and kept my loan to date with First Horizon until the last two months when all my savings were gone. I was fortunate to get a job and get back on track . I was only two months behind. I had worked out a deal with First Horizon to pay a month and a half payments to get back on track. They were great to work with. Then Nationstar took over. I explained to them my situation. They came off like "thugs" credit collectors.

I was finally able to work something out with them when, then bam! They made an error and even though I had a confirmation for a full payment and a confirmation for a second payment 15 days later, they instead took a payment and a half's amount without my authorization. I have been left with out a cent for 4 days so far and a few insufficient charges with my bank. I have called and tried to get an answer along with a letter sent right away with no response. I see this as theft. No different than a retailer clerk tapping into one's account making unauthorized transactions.

They have taken over First Horizon loans and are claiming I owe 1.1 million, even though the loan was paid off in June of 2011. When I asked customer for help, I am told it was sent to research, that been over 90 days. They will not allow me send documentation to their research dept nor even call research. On my last call, I requested contact info for the company's president and that was denied. I have a copy of the recorded re-conveyance which they refuse to allow me an address to send to research. No email addresses or any forms of efficient communication. Standard wait times for phone calls is half an hour. I want my life back. It is troubling to have a debt collection agency claiming I owe over one million dollars when I have simple proof to put an end to this nightmare.

I am trying to get an insurance check for a flood claim signed off by Nationstar Mortgage. I paid $40 for overnight to/from mail. That was almost two weeks ago. I talked to their office twice. The second time I spoke with them, I learned that the first customer service rep gave me the incorrect address to send the check (not even the correct state). Also during the second conversation, I was told "We do not have to return the check right away, we can hold that check a couple days". Mind you, this was 7 days ago, and I still have not received the express package with endorsed check. I have proof of receipt by Nationstar 10 days ago. I have to call yet a third time today (takes more than 10 minutes to get to a live person) and have absolutely no confidence that I will even get the correct department let alone get help. This company is horrible to work with and comes off as unethical.

We are currently under a loan modification with Nationstar. When we began back in September, we were told we can make as many "partial" payments a month that we need to, as long as by the first of the month we have our total paid. That is what we have been doing, however, they don't send any paperwork letting us know how much we've paid, where we stand, or how much is left. Every month, I call back and have gotten the same answer, "You are ahead of the game. Whatever you are doing is working. Keep it up." Great! So, I called a few weeks ago and a lady told us we only had less than 1/3 of a payment left, our loan modification was finished, and we can start the new paperwork. Great!

We made another payment on the 28th of October, called back today and they told me that I had to pay another enter payment! What? I asked for a supervisor, he refused and said, "That's not how it works. I don't work for you, you work for me and I'm not transferring you." What! He said that he can help, I told him I don't want his help, and to transfer me. Again, he refused, put me on hold, then came back a few minutes later and asked if I was ready to talk to him! Heck, no! I asked for a supervisor, again, he hung up on me! The worst customer service ever! So, now, I have no idea how much to pay, where my money is going, or when I have to pay it by. Horrible!

My mortgage was turned over to Nationstar several years ago. My home, **, was burned to the ground on July 21, 2011, and I lost everything I own in that fire. I received a check to pay off the Mortgage company and called to see how this would be handled. I followed their instructions, endorsed the check made out by the insurance company and me, signed a Mortgager's Affidavit and sent it by express mail on September 24. It was received by Nationstar, Escrow Department, on September 24, 2011, and signed for by R. **.

I called on the 26th to make sure that they had received the check and to find out what the next step was. I was told that they had everything, and it was being processed and I should receive a check for the difference (around $20,000) within 11 days. When I didn't hear anything, and they kept calling me to collect my payments, I called over and over to see what was happening.

Finally, on October 27, I was told by Albert ** (**) that the Mortgagor's Affidavit I had signed, had notarized, and which was received and signed for by R. ** on September 24, 2011, had been lost. I offered to fax the copy that I kept. Now I'm being told that the affidavit had expired. It was good for 30 days. It was mailed to me, dated 9/09/11, signed and notarized on 9/17/11, and they received it on September 24, 2011. That's within 30 days. So, Chris **, at extension **, just told me that they would have to send me another Mortgagor's Affidavit to sign, have notarized and send back to them, then it would take about 17 business days to process.

I have done everything I was told to do, cooperated completely, and have been robbed of my money. I have never gotten an honest, straightforward answer from anyone at Nationstar and have only had one call, out of the 20 or so I made, returned, and that was today, informing me that they were faxing me a Mortgagor's Affidavit I could sign and return. Then it would be processed in around 17 business days.

Jim of Georgetown, CA, Nationstar did the exact same thing to me, and I have read online where others have complained that they did it to them. They are obviously committing fraud and nobody seems to care. I have contacted numerous people and wrote letters, but to no avail. There should really be a class action lawsuit against them.

Nationstar bought the mortgage of our house in Salt Lake City and immediately began their usual bag of tricks. They didn't receive our payment. We aren't insured. Here's how to deal with them as long as you're still on their good side. If you're not, they mark you as a deadbeat and will refuse to talk to you. I will cover that in the second half of this message.

Pay Online. A good bank will reverse the fee. Even if they don't, this is cheaper than a legal battle. Fill out their insurance information form. Not doing so gets you marked as non-escrow in their system. If your insurance is cancelled, make the payment yourself to the insurance company directly.

After that, call and complain to Nationstar. You'll want the Insurance Dept. They make that payment. Escrow just collects the money. Check with them to make sure they haven't marked you as non-escrow. They should switch this over if it's incorrect.

My husband asked them if they were prepared to make him whole in the event of a loss. Our insurance had been cancelled. Would this mean they will cover the house if something happened to it? Would they cover his loss of wages should that be related to the event? This seems to get their attention. You have to make it their problem financially. If they still won't fix it, contact your insurance company and have them talk to Nationstar.

Make sure your payments are always current. Their business model is based on assuming people are deadbeats, taking the house then collecting fees for selling the mortgage back to the government. They went out of business once because of this poor model. Their second go involves having some mortgages that actually get paid. If you're one of these, keep it that way. So you've been labeled a dead beat. Follow the steps below. Hope they work, but I haven't had to do them yet.

First, contact attorney general in your state. Explain the issue in legal terms and back up with documentation. Contact the Real Estate Authorities in your state. Find out who prosecutes real estate fraud. Make a complaint. Complain to consumer groups. Write your Senators and Representatives. Do it both for the state and federal levels. Write the governor of your state. Send a letter with carbon copies to the CEO of Nationstar. Contact the local and national media. Here, you can probably use an emotional angle. They love that stuff-- hard luck stories. Contact the attorney general of the United States of America. Contact the President of the United States.

Make your voice be heard. The more people who do this, the harder it becomes for those who should be fighting for us to ignore us. Not every single customer of Nationstar can be a deadbeat. If that were the case, then our dear federal and state representatives should be asking themselves what kind of company makes that their business model. Not one. That means people well, that's for sure and not one that will remain in business for long. That alone should make people run and let the company go under and not keep loaning them money.

Long story short, my loan was sold by Citibank to Nationstar or as I was told, Fannie Mae pulled loans from Citi and gave it to Nationstar to handle. I was approved by Citi for a modification. Citi's phone message stated "you're approved and documents will arrive in the mail". Nationstar stated that this information from Citi was incorrect. I was not approved for MHA but an in-house modification through Nationstar. After receiving the documents, I called and spoke to a representative and was told that this payment included taxes and insurance. I was put on hold and it was restated that my new payment included taxes and insurance.

I followed through with needed signatures and notaries, only to find out that the docs were incorrect and got another sent to me to sign and have notarized. I called again and was told it included taxes and insurance. I have recieved several phone calls from Nationstar to contact them ASAP, which I have done, only to find out it was their collections department seeking my original loan back payments. I was told one department doesn't know what the other is doing. I made my three temp payments and called them today to find out that I owe $600.00 more dollars to be current, due on 11/1/11. I contacted them today and was told that my monthly payment as of 11/1/11 will increase to $388.00 per month due to taxes and insurance.

This was never disclosed verbally or in writing prior to signing modification documents. I contacted them again today and explained that I had asked that question prior to signing the docs and was told it was all included. Today, they said I should have known. They were sorry for the misinformation, but my payment will increase starting on 11/1/11. I asked for something in writing and was told the documents I authorized were for principal and interest only. It was my responsiblity to pay taxes and insurance. I've never felt so scammed in my life. I'm totally disgusted at the manipulation and continued misinformation by this company. I'm not sure on what to do.

I have been trying for days to get hold of Nationstar Mortgage by phone and email. I can't log in to my account either. I have called many different times of the day and I get put on hold for a few minutes then the recording states call back during our regular business hours. I am calling during regular business hours. I need to make my October mortgage payment that is now late because the office is closed. What is going on?

We are the buyers of a short sale property. We actually live in the property, since we have been renters and the owners are trying to sell the property in a short sale. Nationstar Mortgage keeps asking for new appraisals (four so far). We have had to produce multiple prequalification letters. It's been approximately one year back and forth. We finally decided to take their latest offer to us. That was three weeks ago. Yesterday the seller's lawyer, who is handling the sale, notified us that the lender has reevaluated the situation and that they now want $20,000 more than we agreed upon. After one year, we are walking away. Nationstar is unethical and they are liars, after one year of trying to get this done.

Nationstar took it upon themselves to put an escrow account on my loan when they purchased it. I told them that I did not have an escrow, never had one, and did not need one as I always pay my taxes and insurance out of pocket. Nationstar did make an insurance payment to my old insurance company. But when that came of light to me, I make a full return of all the monies they paid. I am now being told by Nationstar that I am in default and they are going to foreclose on my home. I have contacted the Texas AG office, and filed a complaint. I have asked legal questions though TV attorney and I have left my number for an attorney to return my call. I have never been late with a mortgage payment. My insurance is deducted from my account each month, and Harris County taxes are paid in January, March, May, and July. I am so tired of this that I have stopped answering the phone.

My mortgage was bought by Nationstar, and this company is charging me about $92 every month for something called Lender Paid Expenses. I questioned them, and Nationstar has no answer except it's some inspection fee. So my question was who authorized the inspection but still no answer.

I am a single mother of two, with a baby due in December. I divorced last year and experienced extreme financial difficulties. I called Nationstar to begin the short sale process. Months later, I was finally able to list my house. With the current housing market, I did not receive any offers on my home. I have been trying for three months to deed my home to Nationstar in their deed in lieu program. I was told that the process was simple and would be done quickly. It has now been three months, and I have been passed on to five representatives, all of which have asked me for the same information and no one returns my inquiries. I am very stressed as I need to obtain the $3000 that they promised for doing the program in order to relocate and get my family settled before the arrival of my baby. I provided all the information and documentation that they initially requested three months ago and whenever I call, I am told that someone new is handling my case and that they need the same information.

In Nov 2010, I lost my job and applied for the Making Homes Affordable Program. Without telling me, they moved me straight to the "unemployed program" that Nationstar offers. They did not tell me they were doing this. All that came out of it was a house payment $60.00 lower than normal for 6months. 60 dollars a off for 6 months. We made the payments on time, but were harassed for "late fees" each month. I spent countless hours on the phone with them to straighten things out, but never could. We have made the proper payments every month and now that the 6 months is up, they are saying we owe them $5000.00 in back payments. Last time I checked, 6 months x $60.oo was 360.00. They are saying that if we don't pay them $5000.00 they are going to foreclose our house. I don't know where that figure came from. But they can't foreclose on our home if we have been making the agreed upon amount each month, and on time can they! The reps are rude and they all give different answers to the same question. What can I do?

I bought a house in Tampa, FL in August 2007, mortgaged by SunTrust. I can only assume NationStar bought the loan from SunTrust. I did not, at anytime received a letter informing me of the mortgage change hands. I only found out after I divorced my ex-wife because of a quick decision to short-sale the property in June 2010. After all legal matters, documentations and agreements made in May 2011, I have yet to receive any paperwork or documentation that the property was sold. I contacted NationStar and also REMAX Realtor that was involved in the short-sale, but no replies.

Back in July 2011, I filed a complaint with your agency about Nationstar falsely reporting my mortgage payments as late for the month of May. I never received any inquiry as to the evidence for my complaint which I stated to be statements from the collection company that deducts my payments from my salary check. My payments were not late then and are still not late.

Due to lack of any action, Nationstar was aware that I intended to refinance through another company to be rid of them, and I still intended to pursue the complaint to have the false report removed from my report. In retaliation for my complaint and attempt to refinance, Nationstar has now falsely reported my mortgage as late for June, July, and August to Experian and TransUnion. I have positive proof that my payments are on time and that the reports are false. I need someone to investigate this please. Thank you.

Ronald

I had a mortgage with Centex and like everyone else, it was bought out by Nationstar. I had paid my homeowners insurance for the whole year at one time every year. Well, when hurricane Rita hit, my home was severely damaged. My insurance paid within 3 weeks. The checks were made out to me and nationstar. Nationstar said I had to sign checks and send to them and they would send me the money. Wrong! They took the checks and put them in an escrow account. After 18 months, the roof has collapsed in 4 of the bedrooms, black mold was all over the house. My kids and I could no longer stay in the house.

In Nov. 2007, I was paying Nov. and dec. notes so I could have a little breathing room for the holidays. On Nov.6 2007 they informed me that they had sold my home to someone else and there was nothing I could do about it. I was not late on my notes. My parents even tried to pay the total payoff on my home but nationstar refused. So what happened to the 27,000.00 + insurance money? Nationstar kept every dime of the money I paid for, that my insurance company sent to fix the house. They sold my home without even a letter to me or anything. Plus, it still shows an "open/Active" account on my credit. I tried to contact nationstar multiple times but they refuse to speak to me. If anyone has any ideas please let me know. Thanks.

When my original loan from Citimortgage was sold to Nationstar, we were in the middle of a modification. All documents requested had been sent and received. According to letter, if we were in modification procedure, then it would continue. When I originally contacted Nationstar, they stated that not only would it take 25 days for all documents to be forwarded, but I should forward any and all documents already submitted. I did so once, all was sent I never heard from them until I called again. They stated not only did they not receive all documents, but that I had to start the process again. This has been going on now since 10/2009 and yet no resolution.

They drafted a modification with income that I did not have and only lowered the payment $100, but continued to send application for loan modifications as well. All documentations sent have been sent via fax, express mail and yet they denied receipt with my proof on-hand. This has been a costly time since only sending a few pages via fax can cost between $5 to $20 at a time and still have not come to conclusion. When the matter of income used came to their attention, they told me I will be forwarded to supervisor and I'll be called within 5 days. It never happened. I have spoken to several employees and nothing. They never even attempted to offer a smaller payment for unemployment, they only mentioned it and after that I was again lost in the stack.

Flagstar mortgage sold my mortgage to Nationstar and I have had nothing but problems with them since.

First of all, I didn't even know it was sold and I paid my mortgage online like I always did. Well at least tried. When I brought up my account, it said it was closed. So I called Flagstar and they told me I was supposed to have received a welcome package from my new mortgage company. I did not, so they gave me a number to call.

When I asked about the welcome package I was to receive, they said they didn't send them to everyone. (That should have been my first clue on what is to come.) So how did they expect me to know where to send my payment? So I asked about making payments online and they said they charge you $6 to do so.

So I decided to mail my payment and asked if there was any grace for late payment since all of the confusion of not knowing where to send it. They said no--if it is late, it is late. At this point, I was already thinking to myself: "Is this some kind of a joke company?" Okay, so I paid the extra $6 to bypass the late charge.

On my October 2010 billing statement, I noticed a charge of $175 for legal fees. So I called them to see what this was about. I got no correct answer.

Let's see the first ** reason: It is charged to an account that is more than 60 days late and beginning foreclosure. I could see that if I was ever late. I told the customer service representative to review my account before they start pulling things out of midair. They told me they would request an explanation that would have to be sent by mail and to wait five-10 business days for it.

It came on the ninth day and it was just a copy of my last statement to explanation. So I call again and this time I was told the charge happens if your escrow didn't have enough money in it and they had to cover it. It so happened that my tax bill and insurance came in the mail that morning. So when I asked what my escrow balance was and it was 500 dollars over the needed amount, I again had to set them straight. The customer service representative then again promised an explanation by mail.

Same story; I just got copy of statement. So I called every two weeks until this past June when I refinanced through another bank. Glad I'm getting rid of this scam. Now I am still dealing with Nationstar trying to get them to send me the balance of my escrow. Every time I call, they tell me it hasn't been processed yet but they will put in a request.

So now what? I hope everyone spreads the word: Do not work with this company! Use Facebook and/or any other social network. People need to be warned! This company does not practice good business practices!

NationStar has been giving me the runaround for the past year.

My mortgage was sold to this company by SunTrust last year. During that time I was going through a loan modification plan. To make a long story short, I went through my three-month trial period, which ended in June, received my paperwork in July, sent it back along with my payment for August in July, and they still have everything wrong. My payments weren't applied to my negative balance.

I just found out today that I didn't qualify for HAMP because I am at the 31% gross monthly income and my escrow is more than it should be. In addition to that, my payment was only modified for $15! Almost all of the customer service representatives are misinformed as well as uneducated about what's really going on.

This is the worst company I have ever had to deal with.

The first problem is that my mortgage was sold from Suntrust to Nationstar in Dec. 2010. I received the letter from Suntrust informing me that Nationstar would take over the mortgage and to expect to receive a "welcome letter" from Nationstar. We waited and waited and nothing. Eventually, I had to contact Nationstar to get my account number to make the payment. Two days after the grace period was when I received the "welcome letter" and was able to make a payment.

2nd problem. My husband filed bankruptcy in July 2011, only him. He listed our home in the bankruptcy which is a requirement to do, but stated we were keeping it. In Aug., I tried to make an electronic payment and found out I was "locked out" of our account. So I wrote a check and UPS it to Nationstar on Aug. 8 and it was received on Aug. 9. As of today, the check still has not been cashed nor had it been returned to us. We received no statement for Sept. so I started to do some research on the internet and found out that Nationstar will not send monthly statements once they learned about the bankruptcy, even though I did not declare bankruptcy.

My husband called their "Default Management Department" (even though we are not in default) as Nationstar states to do to discuss how to make the payment, but the line rings and then drops. He has called several other numbers, but they are either disconnected or they just "drop". I have sent 2 emails requesting that someone contact us either by cell phones or email but absolutely nothing. I don't know what to do. I have a bad feeling that they are trying to "set us up" for default. I have begged them for a reaffirmation agreement and nothing. Anyone else have this problem? I am now going to send certified letters to any and all addresses I can find for Nationstar. We have the money to pay them. I don't understand why they won't take it.

Nationstar purchased my mortgage from Citibank, in 2010. In Feb. 2009, I had two pipe burst at the property. My homeowner insurance in 2009 was Northern Capital insurance (NCI). NCI went into receivership in 2010 and left me with a damaged property, which I repaired using my money. The tate of Florida Insurance Guaranty Association, finally settled the claim in July 2011. Nationstar is now saying that they did approve the repairs, they will not release the $12,272.35. They were not the lien holder at the time of loss/Repairs in 2009. Nationstar did not acquire my mortgage, until 2010.

Nation Star has continuously charged me for an escrow account that should not be assessed since I have always paid my own taxes and insurance separately. I cannot get resolution over the phone or in writing. I have found this company to be extremely unethical.

They are apathetic, and constantly state they do not have proof of my insurance when I have faxed it over and over on numerous occasions. I am not sure what to do anymore or who to complain to. It is hard enough to pay the current house payment without them overcharging me for an escrow account that does not exist.

Well, what I have read from others is close to our problems with Nationstar. We had Centex, and now Nationstar. These two are the same mortgage company. We went into bankruptcy with Centex. Then, coming out of bankruptcy we had Nationstar Mortgage LLC. We were ahead in our payments by three months for over five years while in bankruptcy. We kept getting late fees placed and corporate advances placed that just continue to increase. Now it is over $10,000 due. Our payment went from $810.97 to $1,358.73 per month. We were told that if we do not pay this large amount per month, the foreclosure will proceed.

In June 2011. Nationstar deducted more than what was agreed, throwing our bank account into over $1,000 of over draft fees that just compounded. I have managed to get back only $405.00. Until now, September 1, 2011, I am still trying to get the rest. Now, they are saying that we are three months behind. Fed loan modification was declined so they want us to do their in house loan modification. Well, if I do, then we would sign that we agree to the amount they say we owe them. We have been pressured to do this up to 11:00 at night. So, I contacted a lawyer. I am going to an accountant to have our loan checked out.

Now, the best thing any of you on here can do is to contact the Federal Trade Commission. I have filed a complaint with them. I was told if there are other complaints, the Federal government will investigate Nationstar. The other thing you can do is check whether Nationstar has filed a permit in State Corporate Commission to do business in your state. I plan to take them down, if I can, before my home is gone. What I have put on this site are just few highlights of what has happened to us.

The beginning of August 2011, I received a letter from Nationstar stating that my loan was due in the amount of almost $3800. I always send my payments on time so when I called, I was told to fax over proof of my payments were withdrawn from account and that this should solve the problem. I was also told my payment increased due to the payments of the escrow account increasing. I told them I didn't have a problem with that but to provide me with a detail transaction of my escrow account and that I would check on it and send them additional funds to cover the shortage on the escrow account. I was told this was already sent (take note: correspondence was being sent to the address were I lived before I purchased this property, an apartment).

Today, I called their customer service to make sure they received the fax I sent them because I sent it in twice the first time it was not received. First of all, the first thing the representative asked was if I was calling to make a payment. I told her I was not and the reason of my call was to make sure they received the documents I faxed them over with proof of my payments. She said the payments I sent for the month of July and August were not applied to my account and this would cause a mortgage late on my credit history. I tried to explain to her it was not my fault, I was not informed my payment had increased and they kept my money in their account for over a month and I was never notified of the change. She claimed they tried to get a hold of me via (sending letters to the property I lived at about a year ago, reaching me by phone to a number that when I call only rings and of course it is not my number).

Since the representative was not helping me, I asked to speak to a supervisor. She refused to transfer me to her supervisor, telling me there was nothing they could do to help me. That everything she was telling her, the manager would tell me. I insisted and she ended up transferring me to her manager. Just like she stated, I spent time talking to her manager explaining what happened and a solution was not given. This company is a complete disaster and the most unprofessional loan servicer I have ever seen.

The manager told me, the reason why correspondence was being sent to the property I used to live at was because it was submitted in my loan application when I applied for the loan. That is not an excuse, I got a letter via mail in my home, were I live and the property lien is against the beginning of this month and that is what triggered my phone call to them. It is unfair that the consumers get treated as irresponsible individuals and such thing gets reflected in our credit history and all other creditors rate consumers based on that. I'm calling Fannie **, the investor who owns my mortgage, if I don't obtain any help from them. I will have to refer my case to Attorney.

My mortgage was bought by Nationstar in Nov. 10, six months after my bankruptcy was discharged. I pulled my credit report in January and Nationstar had not reported my mortgage to the credit agency. I thought perhaps they haven't had enough time, so I didn't do anything immediately and then forgot. I pulled my credit report today and saw that Nationstar has put my account "included in bankruptcy". When I tried to log onto my account to resolve the issue, I was unable to log on because I have been locked out due to my bankruptcy status.

I called and they stated that my lawyer needed to reopen my case and reaffirm my debt. My lawyer stated that's ridiculous and the court won't allow that, you have been paying on time and no one formally reaffirms a first mortgage. I checked on my bankruptcy note and it states that my citimortgage is exempt, that I'm keeping the property and reaffirming the debt. My lawyer reviewed my credit report and noted that they have reported me being delinquent in June 11 which is untrue as my mortgage gets directly deducted from my bank account.

Nationstar bought mine and my partner's mortgage from Citibank in November of 2010. I claimed bankruptcy four years ago, but we have made our payments without missing one or without being late. Nationstar refuses to send us a monthly statement or a coupon booklet. We have been mailing our payment into the address on the introduction letter we received.

I called in and spoke to a rude agent who told me she needed a "reaffirmation of debt" letter. I said, "after 4 years, you won't be getting one of those anytime soon". She said that is why they are not sending anything to us. I reminded her that there is another person on the loan besides myself, are they just getting the short end of the stick? She said, "I guess so." We don't know what to do at this point. Nationstar told us to fax in a request, so we did. We received a letter back and have yet to see any coupon booklet or monthly statement. This company is a joke!

Nationstar Mortgage got my father as well. My father bought his home in 2006 using another mortgage company that sold his note to Nationstar and that is when the problems started. They never paid off his second, causing them to move to second and my second first (unbeknownst to him until his now first, threatened to foreclose). We notified Nationstar and they didn't believe it at first, until they saw it in the records office for themselves. That's when they tried to sue both my dad and the now first mortgage holder (which was an elderly couple). Sadly, the elderly couple died during the 1 year trial, and now Nationstar has become first again.

After the trial ended, my father sent Nationstar monthly payments which they sent back just so they could foreclose on him. He applied and was applicable for the HAMP program but they dragged feet stating hadn't received documents which he sent repeatedly. This has been going on for years. So now, my father is suing Nationstar. We can't afford an attorney. This has to stop and Nationstar must be held accountable.

Here is an update. I have been receiving emails from others who want to join in with my father. My plan is, whoever wants to sue/ file a complaint against Nationstar for predatory lending, etc., we (who have also been dooped by Nationstar) write "character witness affidavits" stating how Nationstar has wronged us and that person can present them as relevant evidence in their trial. If you would like to receive these affidavits to help you in your trial and will also write an affidavit for others to use in their trial, please email me:

2. your written affidavit stating how Nationstar wronged you. (You don't have to write a whole new thing. You can just copy what you wrote here. Make sure all you state is true and valid)

First off, the way the economy is and has been (my history with you and me catching up by a 2600 payment last month), I'm just about to receive my first paycheck in 6 months. I had to borrow money from my parents to make ends meet during these 6 months and I got caught up with you.

Secondly, I got out of bankruptcy and kept the house. I gave what was left of my 10-year old business away in Dec 2010 and I finally got a job last July 13, 2011. Now, I have some guy calling me and asking me for another payment when it is due on the 14th. I asked him if he could draw it from my account once my check clears without a late fee; he said no. I asked if I can extend my payment due date to the end of the month and he said no.

I get paid twice a month, I have child support and HOA going out (Child Support is 750) and my income for that period is around 1200. I asked for some help and he said to pay on time. I'm very disappointed for this phone call when I haven't been harassed like this in a while. I'm disappointed in how big business pushes the little guys but receives bailout money, and really the mortgage industry is the main reason our economy is like this. When mortgage companies like yourself made a "** load" of money during the last 7 years preying on people.

Work with me and and let me start earning money and catching up before you take it from me with late fees! I was a small business owner and people like American Express, Synovous Bank, Regions Bank (but others did and I did not bankrupt on them) would not work with the small business owner when I had a history of 10 years with that company because they over extended their lines with new customers who were trying to get a loan to buy a house they could not afford. So I got punished; I was never late. I lost my credit lines for no reason; and I had to bankrupt.

I would love some feedback from an executive in NationStar addressing this. I am not a happy customer at all.

Nationstar had failed to apply all our payments during the Making Homes Affordable and put over $1000 in a suspended account while they demanded payment, causing us to be disqualified from MHA.

They have failed to properly apply our payments to our account, illegally foreclosed on our home, and now are refusing to speak to us as we continue to try and resolve our issues.

Today I have over $400 in a suspended funds account, and I have not paid anything other than what was due. We have been trying to resolve our issues since 10/2009.

I tried to pay my taxes, however, Nationstar paid them. I was assured that Nationstar was paying my 2010 taxes. After paying my taxes for the 2010 tax year, they escrowed future taxes (to the tune of $15,000), expecting me to pay off current taxes as well as escrowed taxes within a one-year period.

My PIT prior to escrowed taxes was $570 per month. Subsequently, Nationstar billed me a whopping $2,200 per month for PIT. I couldn't believe my eyes! They never sent me a document with escrowed figures prior to the whopping bill! I called them and asked them to escrow the taxes over a two or three year period. They led me to believe that I could and told me to call back in two weeks. I called back and my request was denied.

They informed me I had to apply for the MakingHomeAffordable program through the federal government. I mailed, faxed, and even scanned all the necessary documents (which they claim they received) but I constantly get letters and voice mail messages saying that they are missing certain documents for HAMP. Once again, I faxed and mailed the so-called "missing documents". Most recently, I have received foreclosure warnings by Nationstar LLC lawyers. I did send them a check at the beginning of Aug for $2,200 stating that the check included PIT for June & July and the remainder of the check should be counted towards escrowed taxes.

I am not pleased with this fly-by-night operation. My original mortgage was signed by Amtrust Mortgage. Please help!

The company started paying my windstorm insurance without my knowledge. Then, they raised my mortgage payment due to escrow shortage. I paid the amount. They said I could pay to prevent the increased mortgage. It has been an ongoing nightmare, even trying to determine the amount of my mortgage. Everyone says something different.

I bought my house in October of 2001. When I originally bought the house, it was under Centex Mortgage and I have not had one problem with them. We had 13% interest when we bought it in 2001, in 2002 we refinanced and got the interest dropped to 5.5% and knocked 15 years off the loan.

In 2006, Nationstar took over the loans from Centex and that's when the problem started. They took my insurance and dropped it, even though it was paid and up to date, and my taxes were placed in an escrow account. They paid them and said that I owed them the money that they put out up front. My insurance was $300 a year and theirs is $1,500 a year for less coverage. Their insurance just covers the structure. When I called to ask about it, they said that its their policy. I was never asked, or even told until I got the statement that had some crazy amount on it that I owed. When I called to see why it was so much, they explained that they did all of this. The statements stopped coming and they only send them when they felt like it.

We paid our mortgage every month then about a year later, we get a statement that says we are over $1,000 behind, which didn't make sense. I called them and they said that it was an error on their part and that they would fix it. I again didn't get a statement for months. When I finally did, it was a letter telling me that they were going to foreclose because we were behind $2,400, which we weren't. I asked them to send me a pay schedule, so I can see what payments they received and where the problem was. They said that they needed a written request so I wrote it out and faxed it in. I never received the papers. I called them and they said that they didn't receive it. They said to stop the foreclosure and that we could do a modification on our loan, although my payments weren't late or missing.

I had my receipts and went over them on the phone with the person I talked with and they were missing a few payments, but if I fax last year's tax forms and a few other documents, they would see what they could do about the modification. So I did and I also send another request for a payment schedule. They got all the papers except the request for the pay schedule. They went on with the modification because I didn't want to lose my house and I wasn't sure why it was behind so much when I know I paid it every month. I got a letter saying that it has been modified and my first payment was $135 and the following month would be the regular amount of $389. So I sent the $135 and then the regular amount the next month and months thereafter. I got a statement a few months later saying it's behind again. I called and again got the run around. I said this is what I paid and when it was paid. They said that the $135 is only a partial payment and that they took from the next month to straighten out the previous month. So I owed them $17 and that would fix it. I gave them my checking account number and they took the $17 dollars and then two separate payments of $389. I called them because they bounced my account and my bank paid it but now I owed the bank the balance that I didn't have when they took that money and the overdraw fees. When I called, they said that they couldn't return the money but they will credit me for two months paid.

Several months later, I got another notice about foreclosure. I called them yet again. This time it was because of the two months that I was credited for, apparently, I wasn't credited and I am now two months behind. I owe extra money in lawyer fees and all these title fees and the amount I need to fix with my account and to take it out of foreclosure is over $6,000. I said that I didn't have $6,000 to fix this. It's their fault and I shouldn't have to pay for their mistake.

Well now, it's July and all of this started in January and my house is now a week and a half away from Sheriff Sale because they continued with the foreclosure. About two weeks ago, I received a paper from Nationstar with options to "save my home." I called them and they were nice enough to tell me that it was too late to do any of these options. When I called, they informed me that if I gave them $11,867.00, they could resolve the situation. I don't have that kind of money just lying around and I DO NOT owe them that much money. The money that they say I owe them is because of their mistake, not mine and I am not paying for their mistake. Because of their mistake, I am going to lose my home.

This has got to be the worst company ever. I have never been thirty days late. Maybe past the ten day grace period, but it is because of how paychecks fall. I get harassment phone calls every day about two to three times a day when my payment is not even thirty days late. If the morons would check their notes or payment history instead of harassing people, they would know, but they prefer to harass. This is not the only problem I have ever had with this company. They manage to post payments incorrectly and then try to collect again. I would never give the company my bank information for they would probably screw it up and cause me overdrafts. If anyone is going for a loan from this company, think twice. I have 2 loans on my house and my main loan company is Wells Fargo and they never called me on a payment that's only over ten days late. I pay the late fees along with the payment and still no calls from them. On both loans I have never been 30 days late and have good credit standing but these people call me over a 10 day grace period. Please do not consider Nationstar for a loan unless you enjoy stress and burning up your cell phone minutes.

i got a loan through them in 2000 mad all my payments each month my payments got higher but still mad payments till my house burned down in 4-11 2009 i thought i had insurance with loyides of london well come to find out nation star morgage changed my policy without notifing me of the new policy they then told me to clean up the house what was left of it so i did just that i hired a contractor there were 3 workers total that helped so after the clean up i called and faxed the copys of the amount of work done they then said they were sending a check so i could pay the contractor that never happened nation star morgage kept the moneys they then told me i needed to pour a concret slab to put another house on it before they would send any moneys and that never happened as they wanted me to pay for that out of my pocket

i called nation star morgage every day to find out when they were sending the moneys owed i just got the run around and said i have nothing coming what did i pay insurance for if thats the way i was treated not fair to me i would like to try and get some type of response from someone thank you so very much. how can they keep moneys owed to me and get away with it.i hired a lawyer and she skiped town.

We refinanced our mortgage with our same mortgage company back in September 2010. The escrow amount which totalled more than $1600 from the old loan was applied (so I'm told ) toward the principal of the new loan. This was done without our knowledge or consent. When the final contract was drawn up, it was stated that 1/3 of the taxes and homeowners insurance would be paid at closing and an escrow disclosure showed the remaining 2 payments to be paid during the 2011 year. The loan was completed September 2010. We then received a notice from Nationstar in December that our escrow account was short and that we owed an extra $120 monthly to make up for that shortage. When I called Nationstar mortgage I was told the shortage was a result of the taxes being paid in full in November and us not having enough funds in the account.

I told them the same info as above, a third was paid at closing and the remainder payments twice in 2011 according to the contract we signed. I was told it would be checked into and someone would get back to me. No one ever called me back and I called them atleast twice a week. At one point I received a letter from Nationstar stating that due to a routine audit it was found that our taxes were paid twice and the payment would go back to the original agreed amount. In May 2011 I received my statement for my June payment with the $120 amount tacked back on, again with a notice that our escrow account was short. I called numerous times a week and talked to more people than I can count and would never be allowed to talk to the person who I spoke with the time before. I was told that despite the contract we signed at closing, the escrow could change at any time and the only option I had was to re-finance or apply for a modification. I told them I couldn't afford the additional payment , that it wasn't the agreed upon monthly payment at closing.

The person I spoke to in escrow said they called about my taxes and were told that a mortgage company could only pay the taxes once a year and didn't have the option of the three times a year, only an individual could do that. Now I am being punished for Nationstars mistake and they won't fix it.

Nationstar Mortgage placed a forced escrow on us for taxes already paid. We have not received notification, we found out because we called them! They will not even consider reversing their decision which is at their "discretion". This forced escrow isn't even showing up on our account online. However, we have been warned that if we do not pay this 67% increase every month, it will hurt our credit rating.

They state this issue is settled. And stated they sent out an analysis on June 20th, its the 30th an we have yet to receive it.

When we made payments on our taxes, we faxed in copies to Nationstar. When we went to make the final installment, we discovered that Nationstar had done so. We spoke with Irene in the Escrow Department and were informed we needed to reimburse Nationstar (we did that day), and they would then do a recalculation. OK, cool right?

Wrong. Now they are saying they are forcing Escrow, and our payments are going to go up 67%. Mind you, we have not received anything in writing, nor is there an Escrow showing up on our online account.

They told me they would do another Escrow Analysis and send it out, of which they said they sent out on June 20th, 2011.

Today is June 29th and nothing has been received yet; and we are in the same state. The law states they have to furnish this 45 days before a change occurs.

Nationstar Mortgage LLC has been unable to provide me with a complete loan file pursuant to my multiple requests by U.S. Mail. I have requested a complete documentation regarding the acquisition of my home loan. Nationstar Mortgage LLC has offered me a new trial period despite the fact that I have already successfully completed a HAMP trial period.

just called to getr fax number to send a Attornment agreement so they could fill out and send to oil company.Dee was rude and unhelpful.This company has rude reps. we did not choose them we were sold to them by other company.

This company has been nothing but a headache since we refi'd with them 5 years ago. Once we did a home mod, I didn't realize that they tacked on legal fees, and such what.

They send someone out to inspect the place if there has been 30 days between communications. Wether payment, or phone calls. They charge an additional 45$ to come out here to make sure we still live here@@.

The latest thing: just received a letter stating they are charging us hazard insurance of over 1500 for 6 months. Um, excuse me, I already pay insurance, and have paid insurance thru an insurance company for 8 years!! They are receiving the payments.

I'm almost ready to let them take the damn house, just so i don't have to deal with these assholes anymore.

Michigan lost manufacturing business to China. I lost my job. Acquired new employment - starting pay scale at lowest level. Husband lost job. He started new business. Minimal income. Mortgage owned by Citibank. Started modification process two years ago. Approved for modification by Citibank making trial period payments: September/ October 2010. Received letter from Citi stating that NationStar is taking over. Called NationStar to confirm where to send final trial period payment. Make final payment, called to find out when final docs would be sent out. Total that they are really backed up. Kept calling every two weeks. Have continued to make payments. Mid-March Mitigation Dept. representative informs us that CitiBank did not process our income properly. Received letter from Trott & Trott stating that foreclosure process has been started. By "no fault of our own", we have been thrown into foreclosure mode!

Certainly, the foreclosure department is able to process our foreclosure much quicker then process our modification in the mitigation department! We just received a letter congratulating us on approval for their Alternative Modification Program. This letter was sent "snail-mail" and did not include the address to which trial period payments should be made. Form of payment: i.e. Only money order or certified check would be accepted, not even a telephone number! This is totally unacceptable!

This company is operating under a very thin veil as a mortgage service provider. The best advice ** "Call Natiostar before you send payment/documentation." Verify information every time you deal with them! Use "Money Gram" to send payment. It is very sad that they have established such a poor customer service record. Based on the "bare bones" letter we received about approval for our trial period payments, it makes it appear that they have no desire to assure that their clients successfully complete their trial period payments.

This entire experience has been extremely draining, exhausting. And this is by no means by fault of our own. We are very hard working, positive, contributing members of our community and were not over our heads with our mortgage payment when we purchased our home. If anything, we should be in a much better position financially today, as we should be earning more than what we were six years ago, instead of much, much less, and our position in life, as "empty nesters" [i.e. less financial responsibility]. I place the responsibility of where we are as a country squarely on the shoulders of our government.

My husband and I have been a homeowner for 28 years. We have never been late. Over the period of time we have had a great mortgage company. We have never been harassed are called and questioned that you don't have escrow account, fax's sent, and statements made we didn't receive are if you pay your taxes, your house payment want go up and it in up happening.

The transfer from Centex Mortgage to NationStar through refinancing has been a living nightmare. I realize I finance at 9%, I believe $863.00, and some changes were okay, paying our on insurance and taxes at the time. That following year, we paid portion of the taxes and NationStar stated that my county Bexas reported it, escrow account was established and payment went up to $942 and some change.

I explained to Elizabeth ** since she informed me of the mortgage company foreclosure required. Thank God, we are retired military, we have never been late and my home is secure. Elizabeth stated, "If you wouldn't have sent the $1,731.72, your payment would've been $1,007.96 in 2010. I replied I will pay the 2010 taxes. If you do, I will sent it back, but your payment will not go up. She lied. My payment went up to $1,007.96, and I called and I did reply how I hated NationStar.

We have never been in this type of mess where the mortgage company set you up to rip you off in interest for their gain and it seems to force you into foreclosure. But this is important. On February 01, 2011, I faxed the Veteran Letter from the Department of Veteran Affairs, it clearly stated that he is a 100% veteran, and the application for Residential Homestead Exemption for 2011. I have the verification that these document was received by Elizabeth ** on the above date. Therefore, the county stated that the mortgage company owes me back taxes for 2010, for January, February, March, April and May. I bought this matter to NationStar customer service and stated that we were not entitled, so I went down to my tax office and told them the same, LeAnn with the tax office stated that the document I sent was enough. NationStar continues to charge the veteran taxes and interest and raise his home payment as stated above, they refuse to remove the escrow account and pay the back taxes that the county stated is due to the veteran, enclosing.

As a disabled American veteran, for the recognition of my honor and the sacrifices that I have given for this country, to be cheated and to be done such as I have is a slap in the face. Because of this whole matter, I was forced into refinancing. I had no choice. Trust was no longer there. I lost money by pulling money out of my TSP savings through the post office, filing for a hardship and causing my account to freeze for 6 months. I had to pay $450.00 for a survey, $55.00 for the title. And the money I requested out of the TSP account, I was told later that what I ask for was not all sent but held back because of taxes.

Elizabeth ** lied. What she told me was not in their system. She refuses to except the veteran 100% even if the county had not sent it over both Bexas Appraisal, and the tax's office said the documents sent of the 100% was enough to lower the house payment and to delete the escrow account. The above statement is true so help me God, every word of it.

My loan was sold by Citibank to Nationstar in November 2010, and I have applied for the making home affordable loan and waited for an answer for 4 months, only to find out that they denied me, based on the fact that I do own the home, but have to travel outside of the state for work. I cannot afford the high interest rate of 7% and have tried to refinance, but the value of the property has decreased, and I cannot refinance because it will not appraise.

I have owned this home since 2007 and never had so much trouble. They did not pay my home owners insurance with my escrow on time, and then when I inquired, they raised my house note another $50 per month, and said that they have the right to do that. There is never one person who will answer the phone. I am put on hold for 20 minutes at a time to try to talk to anyone. Customer service has been contacted by my recent complaint to the BBB about these problems, and they have lied in writing to the effect that they needed proof of my residence. I sent them all of the proof and recently spoke with a representative today, who said he would not give me his full name, but his extension is ** and his name is Dave. I think that they are not extending this Federal program fairly nor do they respond to the correspondence that I have mailed.

On December, I received my statement which showed a balance due of $319.37 and paid that amount. When I received my January statement, it showed late fees of $15.97 and escrow amount of $56.46.

I called the customer service and asked what was going on with my account. She explained that the late fee was from my December statement and I told her that I paid the amount due. She offered to remove the late fee but said that I still needed to pay the $56.46 to update my account. I told her that I paid what was on my statement and my account should not be behind on any payments.

My taxes were behind. I was getting ready to pay my taxes when I received my January statement showing the late fees and escrow account. I told her that I never received a letter showing any changes to my account. I asked whom I could complain to about this. She gave me the address to their complaints department. My daughter, Pamela ** wrote the letter explaining my concerns and Mr. Stephan ** wrote me back with the breakdown of all my payments, but he never addressed my concern as to why my account is not up to date after making my December payment. I received my March statement, again late fees from January and February.

I called on February 28th 2011 and spoke with a customer service representative named Dana. She transferred me to the Escrow Department and I explained to her what was going on with my account. She went on to explain to me about the taxes and I told her that I believe all this stems from my payment in December. She looked in her computer and said that I made the correct payment amount but by the time they sent out the statement, their computer showed amount due of $375.83 because of the escrow adjustments. I told her that I understand it but my concern is that my account is still not updated; she said that I needed to pay $60.29 and that would update my account. I asked her what was the $60.29 for and she said from my December payment which should have been $375.83 and again I told her that I paid the amount due that was on my statement. I told her that I never received a letter explaining any changes to my account, she said that I should have. She looked in her computer and said that I didn't receive a letter but that she can send me one.

She put me on hold and came back to the phone and said that by law, if you're behind on your taxes then they don't have to send a letter to me. I told her that I shouldn't have to pay for Nationstar's mistake and that all this stems from my December payment.

I'm getting penalized for paying the amount that was on my statement. If my amount due was $375.83 back in December, that's what I would have paid but the amount due was $319.37. I've started to make my new payments of $375.83 because of my taxes being late. I have to take the responsibilities and do the right thing but Nationstar have yet to see their mistake. How can Nationstar continue to penalize me for a correct payment made.

My account is now past due. In January, I made my payment of $375.83. When I received my statement for March, there were more late fees for January and February. My account is in a mess.

The mortgage company I was with previously (Citimortgage) drew up a modification for me in late October 2010. Around the mid of October 2010, I received written notification by mail that my loan was being transferred to another service provider (Nationstar) effective November 1, 2010.

When I asked the person who was writing my modification documents about that, she told me that the paperwork would all transfer over and I had nothing to worry about as long as I signed the modification documents before the transfer date (which I did electronically as that was the quickest method). Unknown to me at the time of transfer was the fact that someone wanted something changed or adjusted on the modification document after I signed it and the date they submitted it to the originator was November 2, 2010, at which time she attempted but was unable to make the requested change due to the transfer already took place on November 1, 2010.

I didn't find out about this until two months later. In the meantime had been receiving numerous automated phone messages from Nationstar asking me to contact them. When I called the first time, I figured it was due to the modification documents not yet being received by them and was told by their customer service person who took my call that it can take up to 25 days for the paperwork to follow the transfer.

Nationstar itself on their website states up to 21 days. As I never received anything stating there was a problem, I continued to believe that was the issue. I even received phone calls from a particular person at Nationstar who I was told had been assigned to my loan (his official job title is "foreclosure prevention specialist"). He never mentioned anything about a problem other than to say my modification had not "booked" (and did not offer an explanation of what that meant even though I asked for one) and Nationstar would try to redo my modification with terms as close to what had been signed by me as possible.

The last contact I had with this person was on Monday, January 24, 2011, when he called me late that afternoon and requested I submit several documents (a financial worksheet and pay stubs) in order to complete the modification before the end of January 2011 because I was supposed to start making payments to Nationstar beginning on February 2011, per the terms of the Citimortgage modification.

I faxed then to him the next day (Tuesday, January 25, 2011) and to date have not heard anything at all. The next thing that happened was I received several envelopes by regular mail only from the lawyer's office, who is handling the foreclosure for Nationstar. Although I was not aware of that at the time.

Contact was subsequently attempted by me via fax, email and telephone on Monday, 31 January 2011 as I had by then found out Nationstar had filed foreclosure against me with the Arapahoe county public trustee (they sent me their notification which I also received via regular mail only). I already know Citimortgage dropped the ball regarding my modification but Nationstar does not seem to have any intention of working with me, based on the most recent items I faxed them per their request . It would have been highly unlikely that Citimortgage would not have known the delinquent status of the loan when they sold it to Nationstar. It would also have been difficult for Nationstar to not know this loan was in default when they purchased it.

To the best of my knowledge, this can be construed as collusion, which is a violation of the RICO act. I need assistance initiating a "lis pendens" on the foreclosure so as to keep it from proceeding any further and to seek specific performance. (I emailed this to the Colorado state attorney general's office.)

Our house was refinanced in October/November. We did not have to make a payment until December 1, 2010. That payment was sent electronically with the old loan number on the check. Nationstar failed to tell us the loan number would change. I sent another payment in on 12/21/10 for $561.73. This was for January 2011. Nationstar posted the January payment to December's payment because they said we did not make the payment. I called our bank. They confirmed the payment was sent and that it was posted by Nationstar. Nationstar would not take the two confirmations from the bank as proof of payment. They kept saying it was posted by our bank to a wrong routing number and account number. Our bank would not be posting monies, only send monies to Nationstar.

In the meantime, we have had hits on our credit bureau and late fees attached to our loan amount. We have been trying to resolve this matter since December. But we are only getting more frustrated day by day. As you can see, we have talked to too many people and not one has taken the initiative to help us. We have never missed a payment and our credit is in good standing. We do not understand why the confirmations from the bank is not enough. Your help is greatly appreciated. If we do not get something done, this could go on forever.

Nationstar Mortgage bought my loan from Citi Mortgage. I made my December 2010 payment through my online bank. Nationstar rep calls me stating they never received payment. I called my bank and placed stop payment, informed rep of this and paid amount over the phone. Then through Nationstar's site and statement, they said I had a $0.00 balance with payment due on 01 Feb 2011. This was the same when I checked on 07 Jan 2011.

On 08 Jan 2011, I received a letter dated 12/31/10 that I had a dishonored check fee of $15 for the payment I stopped and that my next payment due was 01/01/11. Today, 10 Jan 2011, I called and spoke to Ben then Angel (male) who informed me their system is slow and apologizes. I was polite and told them both that I expect no further problems.

Nationstar Mortgage must have mismanagement and technical problems which is real bad for the forced customer that has to deal with the stress of making sure they do their job on top of making the money to pay the mortgage in the first place.

Nationstar bought my mortgage loan from Citibank in October. My first payment was on Nov. 1, 2010. I mailed them my payment as directed because they said they didn't have all accounts set up yet. Well needless to say, they took my money but credited my account for $500.00, less than what the check was. I was told to send them proof from my bank that they were paid. I faxed them the info from my bank. Well, it still has not been corrected. When I spoke with Page at ext. **, she told me that my correction request had been denied. Obviously, I was a little perplexed by this. I asked: "What do you mean? I paid you. I showed you proof that you were paid." Well, after being put on hold, she came back. She said she spoke with her manager. She said that I would have to file a claim, and implied that my bank had stolen my money, because they didn't have it. I told her: "Isn't that just what you told me was denied, and that you have my money and I proved you have my money? You need to work it out or let me speak with someone who could!" She put me on hold again. When she came back on the line, she said her manager, Arnold, was going to research it and get back to me by Friday. When I asked how I could contact him, she wouldn't tell me but gave me her extension number. She said that I could call her back if I didn't hear from him.

We were in the process of a short sale (about 3 weeks from closing Escrow) and our Citibank note was sold to Nationstar, this was on Nov 5 '10. Our agent has yet to hear from anyone from them. I have on several attempts been transferred and transferred to no avail (not even able to leave a message because the mail box is full, etc.). I have been told that xx department is inundated with the purchase of the Citibank loans and they are behind, and to give them some time. I have now been on the phone on hold for 1 hour and 17 minutes and counting! We just found out that Fannie Mae is taking over and I guess they will start foreclosure, I really don't know because I can't seem to talk to anyone who can tell me anything.

I have held a mortgage for over three years and have never been late or missed a payment. In November, I received a notice from my old mortgage company stating that my loan had been sold to Nationstar. I sent my last payment to my old company before December 1st as instructed in the letter. On December 7th, I noticed my check had not cleared my bank. I called my old company and was referred to Nationstar.

For two weeks, I made calls to Nationstar about this payment. I was told repeatedly that they had not received my check, but my grace period was extended. I was also told Nationstar was busy with lots of new mortgages. I finally called my old company again and was given a routing number that would track the check sent to Nationstar. I gave the number to Nationstar, and within a day, the check was processed (on their system anyway, it took 5 more days to clear the bank). That was when the late notices started. I received one on December 20th and one on the 24th. One had late charges, the other said they had not received my payment and listed payment options. I called Nationstar about this and was told that they had corrected it in their system. I asked for verification in writing stating I was not late on my payment and the delay was due to the transfer of my loan.

The representative stated "I don't think we have that." I persisted, and finally, the representative promised to send me a written verification within 3-5 days. I was also asked to send in a written statement requesting written verification of payment. I faxed it this morning and requested a call back to verify receipt of the fax; I have not received a call. To add to all of this, I have received two late notices from Nationstar, but no other correspondence, not even a statement for my January payment. I sent the payment early without a statement (I included my loan number on my check) on December 21st in hopes that they will not make any mistake.

I have seen many complaints similar to mine on this site, even some of the comments of the representatives are the same. Some talk about problems with escrow accounts. I contacted my insurance company and notified them of the change in lenders, but do not know what to do to ensure that my taxes are paid correctly. I have also filed a complaint with the Better Business Bureau. I am hopeful this will be resolved eventually, but feel unfortunate to be stuck with this company.

On Dec. 2, 2010, Nationstar took two mortgage payments from my bank account, when only authorized to take one. They were closed all that weekend, so the following Monday morning I called to complain. The person on the phone told me that they saw that two payments were taken, but that I would still have to show proof. So within an hour I had faxed in copies of bank account paperwork showing the two withdrawals. It is now Dec. 13 and I have not heard a word. They have kept $2344.03 of mine for almost two weeks and not bothered to contact me about it or update me of the status. I called again today and got someone else who, after much prodding, said that it had gone to review and that I should hear something within a couple of days.

I asked to speak to a manager several times, with the only response I got being that I could call back the same 800 number and probably would end up talking to someone else. Horrible, non-existent customer service. I feel as though they stole my money and are refusing to talk to me about it or give me any answers. I have also sent an email today with no response so far. If I counted on that money being in the bank, this would be a disaster. Instead I have just transferred money from one account to another and made extra trips to the bank while Nationstar has my money. I cannot collect interest, I cannot use it to invest, I cannot do anything with it, because they have chosen to keep it and not talk to me about it.

My mortgage was transferred to Nationstar from Citibank. I was notified by Citibank via mail on October 15. It is now November 18 and I had yet to hear from Nationstar in any way. I called them and tried to get information so I could organize my electronic financial payments, etcetera. An automated message told me that my payment for December would be $2793.12. My payment through Citibank was $2326.04. I waited to be transferred to a person and spoke with Jose. He was able to give me my account number and verified the amount that was given by the automated message. I asked why there is a discrepancy but he could give me no details. He suggested that I fax a copy of my last Citibank statement to their research department which is not a toll free number and will cost me dollars to fax.

Jose said I should have received a welcome letter that had been mailed 1 week ago. I asked for another to be mailed since as of today, I haven't been contacted by them in any way and have a mortgage payment due to them in 12 days. I did go online and set up a new account which is showing that my payment coincides with the Citibank amount. Any time I try to get any other information on my account, like my next statement, I get an error page. The website also shows payment options.

I am no longer able to pay directly from my account with an electronic check. There is no way to pay unless by US mail for this account, without using Western Union or Money Gram Express. These are fee based pay systems. I tried to look at the "Auto-pay Direct Debit" but this option is through Western Union and makes you upfront agree that fees may apply so I didn't pursue further. I don't feel that my loan has been sold to a mortgage service with equal service.

This company wrote to me to tell me they are the mortgage of my house. I have never heard of this company and I have never signed anything concerning this company, nor have I ever received no info from my mortgage company. Please guide me, I am 70 years old and I do not know who to talk to. Please help me.

CitiMortgage, Inc has sold my mortgage account to Nationstar Mortgage LLC and in doing so, has changed the terms and conditions of my loan. My previous monthly payment with CitiMortgage was $2,765.15 and my new monthly payment Nationstar Mortgage is $4,370.37. I would like my monthly payments returned to the previous amount of $2,765.15. That is a difference of $1,605.22 per month. Over the course of a year that results in an extra $19,262.64 paid to Nationstar Mortgage, and for the life of the loan, I will have to pay an additional $534,538.26.

We were informed that Citimortgage had sold our mortgage to Nationstar. With Citimortgage our payment was automatically withdrawn from our account at the beginning of the month. This morning I received a message from my bank stating the overdraft protection was activated and monies were transferred to cover my bills. This was a total shock because I know exactly what goes in and out of my bank account. I checked my bank statement and Nationstar had taken out another monthly mortgage payment. We had no notification and when I called they transferred me to three different people and are asking me to give them my bank information. Wait a minute, they were able to take the monies out but cannot put it back in. That just doesn't sound right.

I applied for a mod 2 years ago with EMC. They continued to get full payments and kept telling me to refile. Four times later, I was paying my car and home owners together at a good rate. Last year, they put me in trial mod. I kept paying and waiting. I started to receive statements with a balance that was out of control. I called and asked why are you taking homeowners out? I pay.

They stated that they must take next year's out. Still no mod from them; I called to pay in July 2010. Their phone was disconnected. I called Chase who is an investor. They told that they are now Nationstar. So I called them. The lady did not take payment from me and said I must now try to mod with them. I sent in papers in July. This week, I called to see what was going on. She said they needed more paper work. I said what else can I send other than the house. She gave me a balance of $38,000. Yes, I almost had a heart attack. She could not show were this came from. I did not pay one month in July 09. EMC put me into pre-mod and I paid waiting for mod.

They went missing. I was short 7 hundred a month in pre-mod. I know they are doing this to thousands of people. They are destroying people's credit, lying on the phone and causing stress. Why are they allowed to lie? Homes are the only thing some people have and have like lost $200 to $300 thousand in the market. They change names to avoid being caught. They have not sent where I owe this amount of money. I have two children and am divorced. Can someone please bring them down? I have contacted Trenton and received a docket number in reference to this.

I was recently notified prior to November 1, 2010 that my mortgage with CitiMortgage had been sold to Nationstar Mortgage, LLC. I recently checked my checking account and to my surprise, my mortgage payment was not processed? I finally got trough to someone at Nationstar who indicated to date they have not received my payment. I indicated that they have not sent me any information in the mail with a new account number. The only thing I received was from CitiMortgage, stating where to send my new payment as of November 1, 2010, which was done so that the new company could receive such payment.

I was told by Robert at Nationstar that they will not charge me any late fees or mark my mortgage as late for 60 days and to keep checking with my bank to see if the check clears. It is now November 8, 2010, and I yet to receive any information from Nationstar. Robert did provide me verbally with a new account number for my mortgage, but as he indicated it has not been received. I confirmed the address that was provided to me as to where to send my mortgage payment and he confirmed that this was correct. Then, why has my payment not been processed?

I am greatly concerned as my husband and I have never been late with our mortgage payments even through loss of a job in the home and this tough economic times. I am very worried that our credit will be affected by this new company, and that my property taxes, which are due November 30th, 2010, will not be paid, putting our great credit at risk. Someone please help. As in reading all the complaints against this company, it does not seem that this will have a good outcome. Help!

I have been paying on my mortgage for almost 20 years now. It has changed hands several times. The current mortgage company is Nationstar and from day one, they were sending me late payment notices when I was never ever late on any payments.

This last year when the modified home payment arrangements were announced, I applied through them and went on the modified home payment plan but Nationstar kept sending me statements that I was not paying them. When I would call, they would say that everything is fine, no problem and to just ignore them. They kept sending these notices but would not send me any kind of verification that they received my payments. I kept copies of all checks, money orders and sent them through Priority Mail with tracking verification to show that they received all payments.

Then at the first of the year, instead of sending me the paperwork, they kept promising to update the modified payment program they conveniently did not send me the paperwork. I contacted the Oklahoma Attorney General who contacted them but they just ignored the continued letters sent to Nationstar to provide me with all the documentation of amounts received, dates and all charges posted to my account.

To this day, Nationstar has not complied to any of my requests. They not only would not send any but now they backdated paperwork to May 2010, making it look like they sent it to me in May of which they never did. If they are going to backdate their paperwork then they need to backdate it to January of this year, 2010. Even the Oklahoma Attorney General wrote them a letter about six months ago that if they did not resolve this issue of concern then the Attorney General would pull their license. Josh ** still ignored the request and then this past month sent the Attorney General backdated form to make it look like they did comply when they did not. This is nothing but a smokescreen to take away my property. Now, he is saying that I have to contact him through e-mail, as if it's spam.

They also have in possession a check issued to me for storm damage from three years ago. GMAC Mortgage settled this several years ago and sent me a check for $1,600. I did not agree with the amount so I did not cash it for some time. Then when I misplaced it, Farmers Insurance reissued it to me and GMAC but GMAC said that it needed to be issued through Nationstar in my name but Nationstar has not given me my check back. Instead, they are holding my check as collateral. This is not only illegal but is obtained by false acquisition. They are falsely conveying lies to the Attorney General and this not only needs to stop immediately but I need some type of recourse. I have been paying them more than ever and still all they do is turn a blind eye to my concern as well as tens of thousands of others with the same problem.

This continuous threat of foreclosure on my home has really taken a toll on me and my health. I have never had a heart attack or extremely high blood pressure until this past year. Not only is it hard to find employment now but with the distress and high anxiety with continued complications of having to not pay on certain bills so that I can pay the mortgage has resulted in neglect of all my basic necessities.

This is my issue and I need your assistance. I was laid off from my employer and I am receiving unemployment benefits. I contacted my mortgage company, Nationstar for assistance. I was told that I could apply for a loan modification, in which I did. I have been given the run around for over four months now. I have documentation of every fax and conversation that I have had. I was first told repeatedly that they were not receiving the documents and I knew that was not true, because I saved all of my fax confirmation pages. I had to fax stuff three times. I was then told next that I need additional information.

Each and every time their office stated I needed something, I supplied it with fax confirmation. Their representatives never contacted me to let me know if they need additional information and one of their reps said that Nationstar doesn't call people. I could not figure out how a company would not call their customers to know if more information is needed. I continued to call and each time it is a different story. On one occasion, I called to follow up and was told that if I pay my mortgage on time, then I would not be in this situation. I worked for the same company for several years and dedicated myself to them. It is not my fault that they laid me off and I look for work each and every day.

Each and every time it is one thing after another. I was told to send information on my father, because even though he did not live with me his name was on the house. I faxed all the information on my father and he also filled out the application, then I was told that I needed proof that he did not live with me, so I faxed all his utility bills and bank statements. After your office received that, they then told me to wait and then the next excuse is that his name needs to be removed off the deed. So, I had to borrow the money to remove his name off the deed. I had his name removed from the deed on September 28, 2010 at the Henrico County Circuit Court, in Henrico, Virginia and I faxed over to their office the new deed as well as the information from the Henrico Clerk's office with the book/page number of the corrected deed.

I also faxed the receipt showing how I paid, when it was paid and recorded at circuit court. I wait thinking they have received all the information needed and since they do not call anyone, I called back and guess what? Now, they are telling me that they need a copy of the stamp! Are you serious? Why is Nationstar making this so difficult for me? Why would they refer my account to an outside attorney's office for tax sale within 30 days when they know I have been trying to get a loan modification without success for months.

I have read reviews online and it seems that maybe your company wants me to lose my home. Why is this so difficult? I have spoke with other people who have received a loan modification and no one has went through the trials that I am going through. I am starting to get sick from this, I am stressed out every day, crying every day, being talked to negatively each and every day by them. I am getting sick just from trying to get my loan modified. I need help and I cannot believe that a company would put anyone through this.

Nationstar Mortgage Company has added a piece of property to my mortgage and is holding the money in escrow. This has nothing to do with my original mortgage. They have been taking money out of my regular payment and putting into escrow for this piece of property. This makes my regular payment late and not in full.

I was a little behind on my mortgage (I was rear ended and out of work for a short time). In mid August i made payment arrangements with Nationstar. They told me I needed to make (3) payments before September 1st. Well I called them on August 31st and confirmed amount before I sent the money with money gram. I was told again to make (3) payments to keep me from going to foreclosure and to call back in the transaction code. Well after I sent the money I called in the code and was told i was still a little behind but out of any foreclosure status. On September 15th I got a flyer in the mail that asked if they could buy my house before it's foreclosed on.

I called the number on the flyer and asked where they got my information and was told the newspaper. I then immediately called Nationstar. The agent I talked to said he seen where i made my payment as agreed and for some reason it didn't post. He told me he would post the payment and apologized to me for the error. He told me not to worry I was not going to be foreclosed on. He did tell me i was still a little behind. I said I was going to make (2) more payments on Friday October 8th when i get paid to get caught up.

Well on October 7th a Fannie Mae agent showed up to my house and said I was foreclosed on October 5th. The bottom line I was told 4 times I was not being foreclosed on. Mid August, twice on August 31st before/after payment and again on September 15th. All it would've taken was one of them agents to tell me and I could've paid more but I wasn't given that option.

On October 8th I talked to an agent and he said he's going to get it reviewed by his manager to get it rescinded. I only hope Nationstar acts with integrity and corrects this. I'm supposed to hear back on October 12th. What confuses me more is I went to get my deed to secure debt and it says Ditech still owned my house until October 5th 2010. Then it was sold to Nationstar on Oct 5th 2010 but Nationstar had my loan for a couple years. I was told my house was sold to Fannae Mae on Oct 5th 2010 but the deed says Nationstar. Very confusing.

We needed a mortgage modification and we waited for 3 months for this to be worked out, and when it finally came through, we were charged an additional $7000.00 added on to our principal which is already higher than the original mortgage.

I had been struggling with my mortgage for several months. Nationstar would threaten foreclosure and I'd go find a way to borrow what they were extorting and stop the foreclosure. But there'd be another, "No, no, you're not in the clear until you pay more." I went into significant debt borrowing against credit cards, 401(k), etc. When Nationstar finally realized I had no more money, they called a local ReMax agent and told him that we had abandoned the house and they could do whatever they wanted with what was left.

We had left for a weekend in Yellowstone and returned to see strangers hauling our personal possessions away. I tried to stop them, but the ReMax agent said he could call the sheriff and have us arrested. But he said he'd give us Sunday to take what we could and get out. We lost so much in this fiasco. Money, jewelry, clothes, mementos, lawn equipment, furniture, and on and on. My kids and I were so shaken and stressed. We all had physical and emotional problems as a result. One child failed out of school. Another attempted suicide. And I lost my job.

I received a letter to refinance my loan. I called and was transferred to 4 departments to hear that they could not refinance my home. I think it's false advertising. Why send me a letter? Why don't they want to keep properties out of foreclosure? Homeowners with good history should account for something. This whole refinance and Obama plan is definitely not for the average hardworking debt paying American.

Nationstar claims that we are behind 4 payments and has started a foreclosure on us. Our payments are $632.23 per month. While I don't send a full payment each month, I pay something. I have paid them $5301.47 so far this year, October excluded. Last month I sent them $400 on Sept 4, $400 on the 17th. The 1st $400 money order was sent back to me. The second one was applied to the loan and that would catch June up. I called and told them I had $466 to add to that along with the $400 they sent back. But they don't want to work with me. The last word out of William's mouth was, "Let me see when the sale date is on your house," and then he quit talking. The government screwed up when they gave the mortgage companies a leg up with the stimulus plan. They don't care if they boot us out of our house because they get paid anyway.

I refinanced in 12/2009 and on 5/2010, Nationstar added $100 more per month to my payments. I called and the escrow people said it was because my insurance went up. After contacting my insurance company, they said it only went up $100 for the whole year and the 2010 bill was paid. I have made several calls to the escrow department since then and they told me that they miscalculated my escrow. Now, I have to pay more to catch it up. I called the person who did my refinance and he said that the escrow people were wrong and not to pay the extra amount. Who can I contact to complain about this problem?

Nationstar acquired my mortgage from Flagstar Mort. about 3-4 years ago. Firstly, Flagstar lied to me about impounds on a refinance, saying that they would start an account after 180 days of on time payments. Guess what, they don't even offer impounds as is turns out and, as usual, the guy who made the promise is gone! Nationstar has been ** me around for 1 year on a restructure. As with other people, as soon as I got current, they closed the file and would not re-open 'til I was again past due.

This is a trick they use to get you current and deny your claim over and over. These people are liars and crooks! I also sent them all documents requested and after several weeks and no calls, I called them and they told me I needed more documents. When I asked why they hadn't called me, they said they had no reason. They also did not notify me that they had gotten the second batch of documents, some of which were the same as the first. Plain and simple there will be no re-do, and these are just their stall tactics. Why hasn't the Federal Govt. who promised these loans under Savior Obama following up on these crooks?

EMC sold our mortgage to Nationstar and without finalizing our loan modification after 13 months of modified payments. Now Nationstar is attempting to force us into an unacceptable internal modification program or move to quick sell/foreclose on our home. Don't just complain do something to fight for your home. We contacted the law firm posted on an EMC Complaint blog - Domina Law Group pc llo at 402.493.4100, only to be surprised that given the number of people seeking help that only a handful have contacted Domina for legal assistance at the level of a class action lawsuit.

As isolated individuals what is happening to us is stressful, frustrating, fear-ridden and seemingly unwinnable, but in numbers we have a chance to correct the terrible wrongdoing at the cost of our livelihoods, our properties, and tax dollars. If these acts are not illegal they should be legislated as unlawful. Call and speak with Rich or Jennifer. Their email address is www.dominalaw.com. Don't just complain, act.

We have had various problems with this company from the time they purchased our mortgage from GMAC to the present. To name a few: they couldn't get our initial payment straight and then tried to charge us late fees. They refused to acknowledge insurance payment from our company (cost 1600/an.). And they tried to force us to take their insurance (cost 4000/an.). When we had damage that was paid by our company, Nationstar had to sign off on the check ($8000.00) and withheld it for over two months. When I went on the web to investigate them, I found hundreds of complaints, some filed with the Better Business Bureau of Texas, some with the Texas Attorney General's Office, and some with individuals' Congressional Representative, as well as the FTC.

Many of the complaints are real horror stories ending in foreclosure. They range from the widow who suddenly found herself with a $75,000 mortgage on her house, taken by a total stranger from Nationstar to people who were out of work and trying to modify their mortgages. In every case, Nationstar dealt with them in such a manner that the victims ended up in foreclosure. The level of chicanery is unbelievable as is the fact that no action appears to have been taken to stop this fraud.

I was contacted by this company to refinance and I gave them my information. I did not qualify for refinance, but was told I could go forward with a modification. I filled out all the paperwork and submitted them. I called today 8/26/10 and was told that based on several tests that were ran, I do not qualify. I signed a hardship affidavit stating expenses and debts and was told these were the qualifications. Today, I was told that based on the tests ran, credit score, etc., they did not see a hardship and the hardships changed to different criteria than what I signed.

I was very upset because on the packet, that would qualify you. They went on other factor that was not enclosed to me in the beginning. I feel I have been lied to and the personnel were very rude. I have my mortgage through them also and have been with them for over 6 years and it is sad that they couldn't even help faithful clients like myself. I believe I could have saved at least $200 per month to start paying down my school loan.

I don't know where this needs to go. It's about another mortgage company and what it did to my daughter and myself. If you can help me get it to where it needs to be or let me know where I need to send it, I would be so happy and maybe less stressed.

In the beginning, Stephanie, my daughter owned this home at Fort Wayne in 46802 with a friend. It was purchased in 1994, I believe, and yes, a couple of times they were late, but they always got it fixed in a short time. Well, then the other owner decided she did not want to own the home anymore and wanted her name off it. Stephanie could not do loan alone so I also put my name on it. How very stupid, I was too old to buy a house in my 60's. Well, the loan had to be at least $60,000 to get the loan through Centex. The appraisal was tampered with, it came up to almost what it needed to be and Centex had the appraiser come up to what it needed to be.

The whole purpose of the loan was to take Leeann's name off and it was to be in mine and Stephanie only. Well, any communication after the loan was closed still would have Leeann's name still on it. They never did any filing at public records office and the title company didn't do anything it was supposed to do. I had to go to public records and do all paperwork for tax breaks and ownership and, etc. I worked for a company in the past and as a realtor, and I did all the footwork and it was done before or right after closing. The payment were to be reevaluated a year later by Centex to see if interest would be lower and the company sold our mortgage to Nationstar, or Nationstar bought Centex, I'm not sure which.

We got into trouble and I had to retire early due to my health, and Stephanie works for a school system so she's off in the summer. I was missing work and then lots of medical bills and no insurance. It was not a good thing and we tried to work with the mortgage company. They added $10,000 to what we already owed and by now they did an appraisal and it wasn't worth the $60,000 we borrowed in the beginning, but the house is worth now maybe $35,000 and why would be want to owe now $20,000 more on a home that never was worth what we borrowed anyways. But we wanted the other owner name off it and so we did it. We made bad decisions and many more since June 2004.

Before we did this loan, the payments were to Wells Fargo and we could pay in person. Now the loan was in TX and no face to face and they didn't want to work with us. We even tried a short sale and they would not work with the lady on that either. I don't know what to do. Stephanie is moving out and leaving the home ASAP. And I am in another state and did a Quit Deed already and filing bankruptcy in the near future. In fact, I have almost paid it off and ready for filing. I will include it in my filing. I don't know if anything can be done, but we were lied to since day one by Centex and Nationstar.

I am looking towards the Federal Help program for unemployed and realize that every contact I have seems to be a problem that I must solve. I too have had mortgage payments increased without merit and are wondering if there might be problems with Nationstar and this program? Also, what can a customer do about the issues listed in other letters and what can I do to avoid future problems?

I underwent a re-modification for home loan which was originally held by GMAC but sold to Nationstar in April 2009. The modification I later discovered had tucked onto my payments $17,000 for what Nationstar claimed were unpaid escrow amounts. I had an escrow account with GMAC and they sent me statements regarding how much money they had paid for county taxes, insurance etc. I paid escrow monthly with my mortgage payment. Even though I was behind by about two months on my payments by the time of my modification they claim I owed the $17,000.

I have attempted to contact Nationstar to give me documentation on escrow payments from GMAC or documentation on how they computed the current escrow payments but I get different figures from the escrow dept. Who claimed I only owed about $1,000. I have that in writing but their documentation does not even reflect my current modified loan.I believe Nationstar is defrauding me of my money and I cannot dispute anything because they continue to give me the run-a-round. They have lowered my interest to two percent but have tucked on extra payments. Can I get anybody at Nationstar to provide me with the escrow computations for my current mortgage payments? I have documentation from the re-modification dept. and escrow analysis from 2009. Can Nationstar stop defrauding hard working home owners and do the right thing?

This is about Nationstar's foreclosed properties that are for sale. We need to override this process of Nationstar's pre-approval. My buyers have put an offer on a foreclosed property held by Nationstar Mortgage. They already have loan commitment but Matt ** at Nationstar will not give a pre-approval so we can't get an executed contract needed for the buyers' loan to be finalized. Briefly put, the buyers are putting down 40% cash. They have loan approval, but we need the Purchase & Sale Agreement signed to finalize the purchase of this foreclosed home.

We have been trying to get a loan modification for 2 years; we have been ** around for the whole time. We went to mediation, and an amount was agreed upon for both sides. After not hearing anything for about a month or so, we called them, and was informed that the original amount that was agreed upon would be increased by another $600 per month. When we said no to that, they are now foreclosing on us. We just don't understand why they won't come down on the price, but they will auction the house off for next to nothing. We need help trying to save our home.

I was sent a loan modification in the mail by FedEx. Mind you, I had asked for a loan modification back in April some time ago and they told me that they had already given me a modification and that they couldn't help me. Furthermore, even though I had lost more income and I had sent them all information proving that I had lost even more income, I explained to them that I had a job and that I was having problems making the payment and that the payment was more than 30% of my income and that the loan was upside down loan and if they could help me and reduce the percentage rate/loan amount to 30% of my income. The answer was, "No, we can't help." So I continued to make a payment even though it wasn't in the full amount. They never sent it back or never said that I couldn't do that. One of their customer service representatives told me that it would be held in an account until it got to the loan PMT amount. I said okay, that I wasn't able to make the full PMT on the first science I had just started working a new job and only paid every two weeks.

So time passed, I received a FedEx package. In the package was a modification. So I read it and I didn't respond right away. So this representative named Shawn called me and asked me if I had received the package by FedEx. I said yes and he asked me when I was going to send it back. I said when I finished reading it and he said that they wanted the money on or before my pay day. They never asked me if this date would be good for me to make initial payment to start the loan modification.

He said that the company was trying to help me and that I should do what they asked. I told him that I would to the best of my ability, and that the payment was fine just that the first PMT was hard to meet because my checks came in the mail and that I was waiting for the checks to arrive that had been processed already and that I had to wait at least 10 days before I could inquire as to the whereabouts of the check. In the meantime, I told them that I also received a check from my other job and that I would receive it on the 8/6/10 which was Friday, the same day they wanted the payment in.

So when I received the monies in time, I went to the Western Union at Nix Check Cashing to make the payment by money gram and their computers were down. The reason I went there is that I had made payments to them there before and that they had all the information in the computer already and they weren't going to charge me an extra fee for inputting the information, and I trusted the PMT to go through, but the computer was down. I went there three different times and they were down all late afternoon. So I called Shawn and I explained the situation to him on the phone and that I would send the payment soon as the computer was up. I left him a voicemail on his phone at 7:44 my time. Monday, I got a call from Nationstar that the payment could not be received by them. Because it was too late, they wanted it on 8/6, the deadline had passed, and that the audit department wouldn't let him take the PMT now.

I told him that I had the money and tried to sent it Friday, but before all of this, Shawn had called me on the 2nd of August and asked if I had read the paperwork. I said yes and that I was waiting until Friday when I had all the money and that I would send it to them the FedEx with the payment, which I had done with them before. He said that would be okay, but he just needed me to get the paperwork signed and notarized, and to fax it back to him and that they could wait for the payment on 8/6. He said, "Actually your payment wouldn't be due until the 11th of August." I said okay. I could work with that and have everything in before that time. We hung up.

I faxed the notarized paperwork. He called me back to confirm that he had received it that same day and that everything was good. The next day, I noticed I had some voicemails. So I called. It was Shawn saying that you know that the deadline for payment was the 6th of august. I reminded him that he had told me the day before that I had until the 11th to actually get the payment to them, but for me to try and get the payment in on the 6th, I told him I would do my best. He said I had until the 11th again and he didn't say anything and we hung up the phone. The payment wasn't sent on the 6th, the computer was down. I told them I would be sending the PMT. This morning, the 9th, Mr. Chris ** said it was too late that he would send the payment back.

If I sent it, he wanted it in on the 6th. So, what should I do now? I've been in this house over 10 years, my PMT went from $3,236.00 a month to $517.44 interest only for two years, but they won't take the $907.55 for the modification that I already signed and had notarized. They wasted my money and this isn't the first time they have pulled some underhand stuff with me, they have lost paperwork, stated they never received it. I know they did. I sent it through FedEx, how they sent it to me is how I also sent it back in their envelope. So now I need help with these underhanded people. Help, help, please so sick to it.

I was sent a loan modification in the mail by FedEx. Mind you, I had asked for a loan modification back in April, some time ago. And they told me that they had already given me a modification and that they couldn't help me any further even though I had lost more income. I had sent them all info proving that I had lost even more income. I explained to them that I had a job and that I was having problems making the payment and that the payment was more than 30% of my income and that the loan was upside down loan and could you please help and reduce the percentage rate/loan amt to the 30% of my income. The answer was no, we can't help.

So I continued to make a payment even though it wasn't in the full amount. They never sent it back or never said that I couldn't do that. One of their customer service reps told me that it would held in a account until it got to the loan payment amount. I said ok, that I wasn't able to make the full payment on the first since I had just started working a new job and only paid every two weeks. So time passed. I received a FedEx package. In the package was a modification. So I read it and i didn't respond right away. So this rep named Shawn called me and asked me if I had received the package by fed-ex. I said yes and when was I going to send it back. I said when I finished reading it and that they wanted the money on or before my pay day and that they never asked me if this date would be good for me to make initial payment to start the loan modification. He said that the company was trying to help me and that I should do what they asked. I told him that I would to the best of my ability and that the payment was fine, just that the 1st payment was hard to meet because my checks came in the mail.

Nationstar Mortgage bought our Mortgage form Flagstar and then the trouble has begins. First ,there was not enough homeowner's insurance. The insurance company called them and told them that there was more than enough. Then our payments went from $1,843.85 to $1,950.21, because we didn't have enough in escrow, where did the escrow money go? We had enough when Flagstar had our mortgage. As we try to add the numbers up, we cannot get them to add to come up with any consistency.

Our taxes even went down, but our payment keeps going up! What is going on? Who watch's over these kinds of companies? They will not even do a home affordable modification program. But they will do a deed in lieu or a deed for lease! That means we sign over our home to them. We all need to start a class action against this company. Send your e-mails to ** and let's get started.

In less than the past year, I have began to have problems with this company. I hadn't been late on any payments but all of a sudden, I was being charged hundreds more each month. I contacted them and they told me that because I lapsed in insurance coverage 4 years ago (that they claim they paid for me) they are now charging me for it, four years after the fact.

However, in '07, I had my loan re-modified due to economic hardship. With that being said, I thought that any amount including insurance from the previous year would have been included in the recalculation of the loan modification. I guess not since I am paying an additional amount. Also, they are charging me taxes. Where I live, property taxes are paid in arrears. I am paying previous taxes and taxes for the upcoming year it seems.

My bill went from 379 to 489 plus, I've sent an extra 200 for the past 3 months. My daughter requested that they provide a detailed summary from the past four years when they claim they had to pay my insurance and they haven't followed up since. They constantly call even after they receive a payment inquiring about when they will get the next one to bring the account current.

I paid my mortgage for 5 years on time. I had a 9.5% interest rate with a 5-year pre-pay penalty. I waited and apply for home modification. They keep telling me they are working on it ,and I did not need a lawyer's help on this ,even 3 days before they foreclose. They sent me a denial notice after they bought the home themselves. Devastating! This is professional stealing of a person's asset.

I have been dealing with Nationstar since August 2009, trying to get a permanent Modification. I was only able to speak with the intake person never the supervisor, even though I kept one guy on the phone for 45 minutes asking for the supervisor. All these lower level personnel gave me the same runaround time and time again. No one ever said I didn't turn in my documents. They all agreed I had complied with all necessary paper work. Everyone said, "Wow your paperwork looks good but I don't know when you will be approved." Then lo and behold, January 2010, I was told we didn't qualify for the permanent solution but they could give me an interest only loan for two years and give me a 3% loan because I had excessive forbearance.

Funny, I have managed to pay all my bills on time and never been late on a payment to them or anyone else. But now they claim they denied me for Excessive Forbearance. What a bunch of worms. This company is not complying with the Obama plan. All they are doing is making their customer leave their houses. I have tried NACA with no avail because Nationstar said we are only going to give them this program and in two years they can reapply for a loan. Well, in two years our credit will have sunk to the point I won't be able to get into public housing. I don't know where to turn. I have written Congressmen, Senators, and Good ole Charlie *** the Governor Of Florida. They are in bed with the Banks who pay them to keep us under their thumb. It is only going to get worse.

I purchased my house in 2007 with a bank called Flagstar, but they went out of business and sold my loan to the current company-Nation Star. Since then, they have made my life a living hell. The moment they took over my loan, they requested that I buy Hazard insurance although I own a townhome and it is already covered by HOA. I've called trying to explain to them that I already have insurance and I made many attempts in faxing and mailing it in but they denied ever receiving it. At one point the managers hung up on me because I keep insisting I do have insurance. I called the other day and they said they have put my account in default and I will be sent to collection.

They also said they have put my insurance in escrow to pay for property tax, impound and insurance although I've been paying every month the exact amount I originally bought for. I talked to them on Monday and I'm now behind by $8,800, due to late fees and all these craps that they claimed to buy for my home. How can that be when I make the exact amount I owe monthly? I finally gave in and called an outside insurance company and bought insurance for only $549.00/annually. How do they go about making me pay $3300 for insurance and charging me late fees and escrow fee and impound fee when I pay on time every month?

Whenever I call them they would have me talk to different departments-insurance, escrow, billing etc. because one department does not know what the one does. I have also tried contacting a lawyer whom they agreed to take my case but they said the fee will probably be more than the amount I owe. What else is there for consumers like us can do? I was told by many that banks like Nation star do that to owners with 10% plus equity, forcing us to go into foreclosure so they can take over our house and benefit from our equity. I don't know what else to do? Can't the government protect us?

After being accepted into the trial payment program and then rejected by Fannie Mae due to the misapplication of trial payments by Nationstar, I attempted to do a traditional loan modification in an attempt to keep my house.

I was then contacted by Jeff ** who was more than willing to help me pursue the refinance program. After several discussions with Jeff and doing more research into the program, we decided to pursue the refinance option. Jeff indicated that in order to proceed he would need to run my credit card for $8 to generate the package. No problem. It is upon receiving the package that it was made clear to me how unethical Nationstar Mortgage is. And furthermore, that despite the calamitous financial environment we are in as a country, your institution has learned nothing.

The mortgage application that I received in riddled with statements about my finances that are quite simply lies. Somehow I suddenly have $75,000 in the bank and the that market value of my properties is $680,000 all such claims that I never made to Jeff and that Nationstar expects me to sign as truth. I believe that this exposes the predatory lending practices of Nationstar. When they are working on a program that could actually help the homeowner (HAMP), they request information multiple times and make inquiries into every detail. However, when they are doing loans or loan modifications, they are willing to take liberties and falsify applications.

Wow, I see Nationstar has made a name for themselves and not a very good one! I bought my home in October 2007 with Flagstar; then it was sold to NS. I had been having financial issues much like half the country. I called and talked to a representative and after reviewing all my finances, I clearly needed help. He said I "pre-qualified" for the modification. He sent me paperwork and I sent back what I needed to. Months went by and I called and they said I didn't qualify. They are not willing to work with you at all. I have called numerous times in tears and upset that I didn't wanna loose my home and they didn't seem to care. They are terrible! I am not probably going to go into foreclosure because they wouldn't work with me. You would think they'd want to try to make more money than losing more, but when your a company like this, I guess they don't care.

I applied for, and was granted a temporary loan modification, that would become permanent after 3 months, if I made my trial payments on time. I made all of my payments and continued to get harassing calls from Nationstar, stating I was not making my payments. After 4 months, I called to find out where my permanent modification documents were. I was told several different stories, and ultimately received the papers the next day. They were signed, notarized and received by Nationstar on June 7, 2010.

They continued to call and harass me, stating that I am not paying my house payment. My husband spoke with them and they stated that my permanent modification would go into effect on July 13, 2010. This did not happen. Today I received a letter stating that they had not received my June & July payments, however, my checks cleared June 1, July 7 & July 12, 2010. Nationstar also removed funds from my escrow account, to cover "late fees" that were not in fact "late fees", as I was paying the trial modification amount.

Please help. I am scared that we are going to lose our home because of Nationstar's inability to maintain accurate records & update my account. I have $900 from my escrow account, that they refuse to give back. They have since raised my house payment, to cover the shortage, and are now threatening foreclosure.

I am a United States Marine Corps injured vet and I am using a VA loan. I put an offer for $152,000 on a home that was listed at $149,000. They countered and said that they would accept my offer and pay my closing costs if I financed through them. So we agreed, signed the counter offer and were told they would send the contract that afternoon. Well, 2 days later after being blown off, they told me that they took a cash offer for $110,000. I believe that I was lied to the whole time to try and get per-equaled with them and they had no intent to sell me the home and I feel like I have earned a right to be treated honestly. To make the long story short, I will never finance through them and will never recommend them to any one I know, and hope they go bankrupt so they can't lie and hurt any one else.

This mortgage company is exasperating to work with. Holds to customer service, average 1/2 hour. They failed to pay my insurance from escrow on time. They sent me erroneous late notices. When I lost my job, I was late with payments for obvious reasons yet my attempts to pay on time were almost impossible considering hold times and the fact that web payments almost always fail. The most recent occasion, I could not pay online.

When I discovered that customer service was closed, I immediately sent an email to the online customer service contact to alert them that I was unable to pay and that I did not want a late fee. I was charged a late fee and told by customer service the first time that I did not contact Nationstar by the 15th (not true). The second rep I talked with, in order to remove late fee, told me that I had made no attempt to pay my mortgage. Frankly, it is exasperating.

This is the text of my latest complaint to Nationstar Mortgage: This is the fourth installment of a complaint about Nationstar's illegal non-compliance with a payoff demand to Americash Mortgage. I have filed one complaint with the Dallas Better Business Bureau, two so far with the California State Department of Financial Institutions, one with my congressman's office (Sam **), and I am documenting this and all other complaints for a master complaint to the California State Department of Corporations, which licenses Nationstar to do business in the State.

I have also written complaints online in various locations. Non-compliance with California Civil Code 2943 carries penalties for the failure of a mortgage holder to provide a payoff statement within 21 days of the initial request, which was June 11th, 2010. The fine is $300 per request and the tally is over $7,000 so far, and still no payoff statement has been sent. My rate lock on the new loan expired on 6/30/10, but was temporarily extended by Americash. That courtesy has also expired at this point.

Every call to Nationstar results in a different story and yet more promises that are turn out to be false. Connections to "Managers" turn out to be individuals who are non-management that only wish to get me off of the line. All Nationstar personnel refuse to provide me with a direct number or email to an individual who will handle my complaint.

I will not give up in my attempts to escape the clutches of Nationstar Mortgage, and will do all within my power to make sure your company is banned from doing business in California. A copy of this correspondence has been captured as documentation.

In Oct. 2009, we started the hamp modification process. All paper work, all payments and every bit of information asked for or needed was supplied in full, on time and completed as needed. Months later after me making all the follow-up calls and trying to determine the status of the process, we were told that we had been denied the already approved modification. The reason wasn't exactly clear and very little information was supplied, if any.

Now all of a sudden they want to do an "in house" modification and it will supposedly only take weeks! During this time we are being hounded with past due notices both regular mail and certified mail, phone calls and threats that they are starting foreclosure (sp) on our home. Even though all payments were made on time as per the modification process we are now being told we owe the the past due amount, the fees and any other associated monies. You can never get a correct answer, you can never get past a customer service rep and you never get the same person more than once.

Now after seeing numerous complaints about this company, I want to know why no one is investigating these people, this company and their business practices. How can a company receiving so many complaints go unnoticed? We have no idea where to go or what we can do other than letting them take our home or try and do a short sale to get out from under all of this.

My loan with GMAC was sold to Nationstar in 2009. I lost my husband, my income was dramatically reduced, so I applied for a loan modification. I filled out the packet of paperwork, completed the 3-month trial period, but never received the final modification paperwork. I called every month to make sure all was well with my modification. I was told every month that everything was fine, no need to worry, they were just running behind because of so many modifications. So I waited for my final paperwork.

Nine months later, there is a note on my door about my pending foreclosure. I was in a panic,and called them, and was told that they didn't have a good phone number for me, and therefore they are foreclosing. I was told that I had failed the modification program, and no longer qualified for the modification, and if they did in fact work with me, my payment would go back to the pre-modification amount. I then called HUD who left the foreclosure notice on my door, and who is working with me to re-modify my loan.

Now Nationstar says that they can get me back on a similar modification program, but the payment may be a couple of hundred dollars more then the initial modification. I have to start the modification program from scratch again. For the love of God, somebody needs to put these people out of business!

I refinanced original mortgage with them from 6.7% to 5% and pulled out cash. I sent in paperwork and was e-mailed a confirmation from someone else with wrong percentage and closing costs. I spoke to E. M., and he apologized by telling me that the one who gave the percentage is new and inexperienced. They sent the corrected numbers, and I then received a 43-page packet from them with the original wrong numbers in it, asking me to sign and return. I told E. M. that I do not want someone getting their experience on my mortgage and do not want her to contact me again. E. M. sent a mobile notary to my home to close loan.

This notary asked me how I wanted my cash-out to be paid. I signed a release for them to wire money into my checking account and gave her a canceled check that she asked for. She told me that the funds would be wired into my account in 3 days (6/30). No funds were wired into my account on 6/30/ 7/1 or 7/2. I made 6 phone calls to E. M., his supervisor (Saiid ***) and customer service, leaving messages. I also sent e-mails to same. No return calls, e-mails or money.

I finally got e-mail addresses of 9 vice presidents of Nationstar and e-mailed them all asking for someone to return my calls. This finally elicited a call back from S. S. that there is a check sitting inside my storm door at home sent yesterday. I asked why I was told by E. M. that it was wired to me on 6/30 @ 5PM and customer service said it was wired at midnight so I had to wait until tomorrow and go back to my bank. I also asked what happened to my canceled check. I was tole they didn't know and that they never received it.

I didn't expect to have to chase after my money for 3 days with not even the courtesy of returning my calls. I would never ever use Nationstar again. If you are considering going with them, do what I should have done: internet search for complaints!

I have never been so humiliated and upset with a company. I have been in my home for 12 years. Never missed a payment, always paid more towards principal I was at EMC, and transferred around more than I can remember, never had a problem getting my account properly corrected if anything went wrong, until now. This is my first transfer where no one seems to know anything about unfair business practices. I was transferred last month to Nationstar from EMC, first they did not reflect my modification lower interest rate I did with EMC, said they did not have any paperwork.

I called EMC, who said they sent it with the transfer. First problem, Nationstar lied to me. I emailed them my modification paperwork. Then they said I needed to make a payment first. I did, they got it and cashed it, but never applied it. I emailed them the cancelled check. They changed my account. Thought "way is everyone having problems with them, they did what I asked them." Well, I finally got online to my account, 30 days after the loan was transferred, and found out they applied my payment 10 days late, which they think I was stupid and did not know that that added more interest because interest is accrued daily. Then I noticed they applied $2.00 from my principal payment to something called other charge.

I called them up and spoke with the most arrogant individual saying first that the charge was for processing, I told him no I paid by check which has no processing fee, then he put me on hold, came back and he said it was a one time charge Nationstar charges for transfers, I told him no, I don't pay transfer fees for one company to buy out another's loan, and for him to credit it back, then he put me on hold again, and came back saying this was a charge EMC made to them at the time of transfer and they just are having me pay it, I said no, I have NEVER paid transfer fees in all my loan transfers, and asked him to have them put it back to my principal, and back to the day I actually paid and they cashed the payment-day days prior, he said the company would not do that and to deal with it.

I was guessing the company was hard up and needed the money. I told him I wanted to speak with a supervisor, he said there were none on duty-why did he put me on hold? then I told him I wanted one to call me back, he said that this place I called was an inbound call center and they could not do that, or make outgoing calls. Can you image for this stupid $2.00, and a couple of bucks of interest I was starting to get angry. Now its has to do with the principle of it all and I wanted their help.

I ended up hanging up on him and emailed the guy that helped me with the correcting of my lower interest rate problem. I am still waiting for an answer. But then I noticed the online account showed that the payment wasn't even reflected until 10 days after payment. This has been frustrating to say the least. Well, they dont know I work for real estate lawyers, and have talked to them. They said they would help me for free to correct this if Nationstar does not comply. I just had to vent this and tell everyone my story. But there is an even duped problem that Nationstar refuses to know. I cannot refinance or sell my home because several years ago, I was duped into buying a business and taking almost all my equity out of this property, it was a lot,

Unfortunately, I had lost that business not knowing I was duped into that mess too, I ended up having to file bk and saved my home, but a year later, the housing bubble burst and my house is now worth $200k and my loan is $375 (the original loan before modification was at 8%, I was able to modify for 4 years with EMC for 4.375%) or I would have lost the home again. If this does not get resolved, I would end up giving them the house back. Voila, they now lost $175k on this new loan. But I want to stay here for the rest of my life and would be willing to pay my mortgage on this home, unless scammed again.

I am hoping I don't have as much problems as some of you. I did note the president of Nationstar's number on one of these emails below, and have it in my records just in case. I would hate to give up and give it back, but if they are so greedy to nickel and dime me, I will. Thanks for listening. Possibility of loss of home in the near future if nothing is resolved, becuase I will never pay for fees that are not told to me, and would never be able to pay the higher interest rate as a single mom.

My loan was bought from GMAC mortgage company in December of 2008, I did not receive notification of this until March of 2009. Since then they have harrassed me for escrow money they said I owed for a lapse in my insurance coverage when with GMAC. I have provided notification from the insurance company and GMAC stating this was incorrect I have never had a lapse in coverage. Here I am in June 2010 and they are trying to foreclose, although I have made every single payment where I was wise enough to mail certified, signed receipt.

I have called them more times than I can count, I have been hung up on, and recieved mail from them daily. I have contacted them by email, their website, letters after letters. Event sent a request to their CEO requesting action. I am today sending packets to every department with Nationstar in a last ditch effort to have this resolved and then I will have no choice but to obtain an attorney to resolve.

This has caused such stress for me being a wife, mother of 4, and a full time student. I have spent countless hours trying to resolve that I do not have to give to a incompetant company. It is a second home of mine in another state on family property and has caused stressed for my family as well. I make my payments seriously people pick on someone else.

Nationstar Mortage practices creative accounting 101! I noticed they were charging me double my escrow payment the last few months. Upon inspection of my annual escrow analysis report, I see they listed my school taxes as being paid twice. I checked with my county tax collector, and they stated they only received ONE payment from Nationstar. If there were a duplicate payment received, they would reimburse the account in full. This double-posting error, which they have corrected internally but have not entered the credited error into my account, is causing an additional payment of $900.00 per month!

I've tried unsuccessfully to argue this point, but having to deal with their customer service department is a JOKE! Nobody there, even the individuals in the escrow department, can tell me how an error like this can occur, and not be corrected to reflect in my monthly mortgage figures correctly. I believe this was NOT an error at all, I believe they do this intentionally to make the mortgages inflated, so that it appears that people are over-extended when in fact they are NOT. I have also applied for (twice) and been turned down (twice) for a loan modification. The first application stated that our monthly payment did not meet the government requirements of 31%, which it did...the second time, they stated we have excessive forebearance, which is a LIE! The reason it looks Excessive is due to that duplicate posting of my school taxes. This company needs a government audit, ASAP!

I bought my home in December 2005, My house payment was 1042.53 a month and that included all taxes and insurance. My loan was with GMAC, well suddenly my statements come as Nationstar Mortgage Co. So after knowing that GMAC was bought out or whatever, it didn't matter much to me because everything was going to be the same! Wrong! My house payment went up to 1190.00 just like that, and when I talked to endless different people from the company, I was told many different stories about my escrow being prorated and blah blah blah. Nothing made sense they were telling me and when I would call with more questions and concerns, the person on the line had no documentation of the last person I had spent over an hour each time with on the phone.

I was told I would qualify for the modification program and to only make this low payment amount to catch up my escrow (which in no way shape or form was behind), and then my payments would be lower and easier for me to handle. Well needless to say, that person was retarded as well, because I made the payment and when I started getting letters and phone calls about my payment not being enough, I told them about what this representative told me to do, and they had no documentation of that either, okay. So now I'm super late with the so called regular payment, behind in the escrow account, and now they've tacked on late fees and fees for not making the full payment, which I was told to do!

Now, I've been dickering with these idiots more, because I truly can't afford this higher payment. I had to have major work done on my home and with those loans plus this higher house payment, I can't do it. I just can't. Well someone is supposed to be calling me back as they were not in the office at the time or something. They won't call back to help me, but they will call and harass me at work and at home. To make matters worse, they say I don't qualify for some modification program now because my one payment in December of 2009 was late. Um, I looked through my bank statements and that payment not only had been made on time, but it actually came out of my checking November 25th. Um, isn't that early not late and not to mention there is a grace period even if it had come out on Dec. 1st.

I truly don't know what to do. I've had a decrease in income and a decrease in bills regarding the house. I can't afford this payment and I don't know what to do because I have no other place to live. I am scared to say the least and I just don't know where or who to turn to next to help me get out of this crazy Nationstar Nightmare! I'm so depressed and stressed out because this is on my mind 24/7. Please someone direct to me to the source I need to be in contact with to get this back on track and normal again.

Nationstar is not following the program guidelines for making home affordable. I submitted all documentation in October 2009 and received a denial on April 15, 2010 for "request incomplete". At no time was I advised that something was missing. When I called to ask why, they had to deny my app instead of just letting me know what they needed, their response was "Because we're not required to. " They said pay stubs were missing. As I explained in Oct of 2009, I don't get pay stubs. Pay is directly deposited by employer and Social Security. I submitted alternative documentation which more than satisfied the program's need for salary information. I'd love to get away from this swine. They violate the spirit and intent of not only HAMP, but the entire mortgage business. House is scheduled for foreclosure in June 2010. I didn't even know that until I heard from a realtor offering a short sale. Nationstar did not even have the courtesy to advise me that the foreclosure was back on.

I originally financed my home with GMAC who subsequently sold my mortgage to Nationstar Mortgage. Several times I have requested under the fake stimulus package to refinance my home because I now owe more than its value. Each time I have been told I do not qualify. I requested a home modification and was told I could get one and it would reduce my payments by about $33 per month. I never received any paperwork or follow up from Nationstar Mortgage. They continue to call offering to refinance my home. They never follow through.

Today I called after receiving my monthly statement and there is a late charge. Last month I paid an underage on escrow and was told if I did that my payments would remain the same. Instead, my payments have increased. I have never missed a mortgage payment. Today I initiated a telephone call and spoke to nine different people including two supervisors. My call was made at 1:50 p.m. from my home telephone. I was put on hold at 2:03 p.m. for a transfer to a supervisor. I eventually got through to someone on my cell phone.

As I write this my original telephone call on my home telephone is still playing at 6:20 p.m. That is 4 hours and thirty minutes that this call has been on hold. I called back on my cell phone at 5:31 and spoke to a guy named Royce. He was extremely rude and did not want to hear me. This company should be taken to court in a class action law suit. They aren't worth a "tinkers damn". If anyone wants to call me and discuss this with me they can call on my cell phone. I am not going to hang up my home telephone. I am going to see how long they keep me on hold. Four and a half hours is way too long. Customer service in all departments of this corporation is at a stand still. They should not be allowed to be in business.

I am a member of the Arizona Air National Guard, and I was activated in November, 2009. In January 2010, I was informed that I was eligible for protection under the Service Members Credit Relief Act of 2004. I immediately began sending my orders to my creditors, with all of them responding immediately with help.

But, when I sent them to Nationstar Mortgage, I never heard from them. When I called their customer service department, they did not know what I was talking about and asked me to re-fax them over to their research department. I've done this twice, with no response from anyone. In fact, my May statement just got here and my payment went up! Each time I call, no one has any answers for me. The standard response is that it is under review and to call back within 5-7 business days. But, when I call back, I get the same response.

I've never seen a company so anti-military in my life and I truly could use some help. Any info would be wonderful. Thank you.

Our story is like many of yours, we can identify with you on: lost payments, calling to make a payment by phone, authorizing the amount that the customer service person said to pay, only later to find out it was not enough so it is in a "suspended" account, three loan mod caps that were all very fishy and we paid a lot in "fees" that are still very unclear to me.

But listen to this. We were offered in August 09 an opportunity to do a new home mod program, backed by President Obama. I thought how great yes let's do it. The customer service rep took our information and told me what our new payment would be. We were paying $2248.00 and now would pay $2078. Well at least we were saving some. Remembering that we were caught up in that rate increase our payment jumped up $800.00 more a month.

The rep. said it would take 60 days and we would get paper work. Also said that our trial period would go for three payments, this was in August months go by, I am getting nervous (because I don't trust this co.) no paper work I call oh it is processing etc month after month. Finally here we are April now they tell me there was a mistake (on their part) and we have to start the trial over. Ok this normally would be ok however (now I find out) no one told me that because I was paying a reduced amount that I would have late fees of $560.00 per month, tell me would anyone agree to save $200.00 a month, knowing that even if they were approved for the program they would owe for late fees? This doesn't make any sense why would I agree, oh wait that's right no paper work to disclose this to me so I didn't know. So now they offered us a mod cap.

The total is now some $20,000 plus added to our mortgage balance. I asked for a disclosure on where that money is all going, no one can provide it for me. They are telling me I am 6 months behind, and I need to come up with x amount or they will foreclose. I was only one month late when they offered this to me and I caught that up. How can they say 6 mo. when I was making (reduced) payments each months, but that gives them the right to take action, right now there is $1700.00 sitting in a suspended account, that is mine. Also that payment reflects tax and INS. So if I paid more than my mortgage payment how is it late.

Technically I owe for tax and INS. So bottom line we sign or lose our home. We have a family size of 10, I was diagnosed with 4th stage cancer 3 years ago (am in remission) and my husband became disabled 3 years ago in an accident at work. He is currently getting retrained by LI and is going to college. Right now our options are tied up. I feel trapped; I know I have to sign this mod to save our home I have no choice. This mod is only good for this month (April) someone help us. Help someone needs to start a class action suit.

My home loan was taken over by this company in October 2010. From day one we never received any of our billing statements until after the payment was due. We had to manage this on our own and were mailing copies of old statements with our payment to ensure our account was paid on time. When statements did arrive the amount due was incorrect they were billing us for less money than was due.

After several calls to this company requesting billing sooner and an itemized listing of our account (and attempts to get this from our online sign in page) with no results, we refinanced with another company. It cost us $2K but was well worth getting away from this company. Their business practices can only be described as predatory and their hope is to get people in financial trouble.

My home loan was taken over by this company in October 2010. From day one we never received any of our billing statements until after the payment was due. We had to manage this on our own and were mailing copies of old statements with our payment to ensure our account was paid on time. When statements did arrive the amount due was incorrect they were billing us for less money than was due.

After several calls to this company requesting billing sooner and an itemized listing of our account (and attempts to get this from our online sign in page) with no results, we refinanced with another company. It cost us $2K but was well worth getting away from this company. Their business practices can only be described as predatory and their hope is to get people in financial trouble.

When we first purchased our home, it was with GMAC. Then it was sold to Nationstar Mortgage. Since then, we have had nothing but trouble with them! Nationstar has been carrying our loan for 3 years now. Every year we go around and around about taxes. My wife and I pay taxes on our home once a year. Nationstar keeps taking out three taxes a year (two of which we do not pay and the township tax clerk has never even heard of). And every year, we prove them wrong after 6 months of fighting just to start back over next year.

Then I was laid off and needed to go through the process of a loan modification. We submitted all the paperwork they needed. First, they lost all of our paperwork and we had to resend everything again. We made all of the trial payments that they told us to make on time and orderly. We would call and check on the process every two weeks or so, getting the same story. "Everything is in order. Everything look good. Just wait till the end of the trial payment period then we will notify you of your new payment" At the end of the trial period, everything gets sent to Fanny Mae to be reclassified and then the payments are lowered. The day before it was to be sent, Nationstar reported that my wife's check stubs did not look "official".

So they kicked us out of the mod. program. If that wasn't bad enough, they then tell us our home is facing foreclosure in 15 days, because we have only made partial payments for the last 4 months. That was the payment we were told to send in for the trial payments! Now they want $4800 in 15 days or we will be foerclosed on. This company seems to want foreclosures. They are not trying to help anyone stay in their homes! Nationstar Mortgage is nothing but a corporate robber! My wife, our three children and I are facing being homeless because of the crooked practices of Nationstar.

Back in August of 2008, I had a family emergency. My mom was diagnosed with cancer of the brain. I then had to then get a flight form Charlotte, NC to Dallas, Texas where she was going to have surgery. The home in question is in Indian Trail, NC while I was gone for two months. The home I had purchased through Centex, then Nationstar took over, I had left my two sons at the residence and they where ordered to leave because the property had been placed in foreclosure and sold. I was not notified or had anything in writing from this company. It all happened so fast and I had no knowledge of this until the day that it was sold and then it was my sons that told me about it. So what should I have done? My credit was ruined and I have no home to return to.

My mortgage became defaulted due to a corrupt attorney, who is now incarcerated, having influence over my Mother's estate . Flagstar sold it to Nationstar under default conditions. Being several months in default, to sell through an agent meant walking away with nothing after investing $75,000 down at the time of purchase. A short sale would give the same result. I placed the home for sale on Zillow and Craigslist and had a buyer, an active duty pre-qualified US Navy man. I paid for two home inspections resulting in $1,000. I asked for a payoff price from Nationstar, and the department head said I could not sell it unless I had a licensed real estate agent doing it through the MLS service. She flat out refused my doing the right thing to pay off my debt. It shouldn't matter whether a rich relative pays my debt, or I find some other legal means to do so. This is unacceptable.

My husband and I applied for the HAMP program in June 2009. At this time, we were not in default. We submitted all the paperwork and received a contract from Nationstar stating what our trial period payments were going to be. We started the trial period payments in July 2009. These were due to end September 1, 2009. We were told from Nationstar that we would have our new mortgage documents within 30 days from the last payment, which would put us at October 2009. We called multiple times and were told they were behind due to having so many loan modifications coming in. Nationstar told us to "just keep making your payments. Everything is fine with your account. "

In December 2009, we received a foreclosure noticed from Feiwell and Hannoy, Nationstar's attorneys, and from the Porter County Superior Court. I called Nationstar and they had no record of us being in foreclosure. After hours of conversations and multiple phone calls, they finally found where we were placed into foreclosure and told that they had "put a code into the computer to suspend all foreclosure action until a decision was made on our account". In December, another court document was delivered stating that Nationstar reported that we had not paid since March 2009, when in fact, I have all money order receipts showing that I have been paying $929.19 a month since July 2009, per the signed contract from Nationstar.

I called Nationstar and was told that everything was fine and that my modification was in underwriting and the paperwork would be mailed out by the end of the month. In January, we still had not heard anything back from Nationstar. When we received our tax statements, the numbers were all incorrect. I called asking why it showed that we had paid so little and the lady informed me that they "had messed up and placed the money we paid into a miscellaneous account instead of a suspense account" but that it would be corrected as of January's payment forward. This never happened. I had called several times after to check on the status of our loan modification and each time I was told it would be done shortly.

On March 11, 2010, I received a certified letter from the Porter County Sheriff's Office stating that our home was up for auction on April 21, 2010, and this document was dated February 23, 2010. I called Nationstar and the man stated that our loan modification was denied on March 6, 2010 because they did not have recent pay stubs because the pay stubs they had were from June 2009 when we started the modification process. Never once did anybody call or send a letter stating that they needed any further paperwork. When I asked the man why the foreclosure continued although we were in the loan modification process, he stated, "I'm not going to argue with you. " Nationstar sent our account to their attorneys in June 2009, the same month that we started the loan modification process. The documents were filed with the Sheriff's Office on February 23, 2010, two weeks before the decision on our account was even made.

As of today, I still have not received any notifications from Nationstar stating that we were even denied. Had I not called the day we got the Sheriff's Sale Notice, would never have known that we were even denied, especially for a lack of two papers that we were never informed of needing to resubmit. They have taken almost $10,000 from us (the monies we have paid since July 2009 that they did not apply to our home) along with several thousand in late fees and escrow advance fees because Nationstar is saying that they had no money from us to pay our homeowner's insurance, PMI, or property taxes. I have the loan modification documents, along with all court documents, and money order stubs showing that we have paid several thousand dollars to Nationstar. I have proof to back up everything in this complaint

We bought our house 11 years ago. Centex sold our mortgage to Nationstar. We have never missed a payment and were never late on a payment. Well, we refinanced to get in a fixed rate but when we did this, they did not add in our taxes and insurance. So, we were almost a year behind in taxes. I called and made arrangements to pay it off. All of a sudden, we get this letter from Nationstar saying our payments were going to be $2400 a month compared to our $1849 that we were paying.

Well, they went and paid the year's taxes so I asked them what we could work out. Now, mind you, in Minnesota, you have 6 years before they would do anything to you or put a tax lien on the house. I told them we could not afford $2400 a month and that it was crazy. Their reply to me was, "sorry we can't help you; you are not late on the payments." I said, "exactly and we didn't want to get behind." That was the purpose of the phone call and trying to figure this out, I even asked if we could pay off the taxes they paid. They said yes and no. They told me that I had until Aug 1 to pay off, other wise, I could not pay it off.

So we missed a payment, hoping they would help us out. Guess what? They never did. And their web site is a joke. They say on there how they are so willing to help you out and they don't. So then, we get to the modification. They sent me out 2 packets a week apart from each other, so I called and asked which ones I should use. They said the 1st one, so I filled out all the paperwork and didn't hear anything. So I called them. They said they were missing pages; they were pages that didn't need signing.

Then I waited and called back 2 weeks later. They then tell me I sent in the wrong packet and need to send in the 2nd one we had gotten, so I did that. Mind you, when we got our packet, the 1st one, they wanted 3 payments, one July 28th and one August 1 and 1 Sept 1st. We mailed in the July and August payment together, then the Sept one in Sept and they told us we were approved and that we would get our final papers in Sept. Well, Sept came and went and no papers.

They would never call me. I always had to call them, they said to just keep sending in the payments. We made 5 payments and then the last payment they sent back and said we were not approved because we would have a balloon payment at the end and that Obama's plan didn't call for that so we were denied. Since then, there was a sheriff sale and Nationstar put in a bid at $207,000 which they will never get. We are upside down in the house and now we have to be out June 18th. I am very devastated. I did all the things they told us to do and then they do this . Anybody who wants I am getting hold of an attorney to file class action lawsuit. I have read every one of these complaints and Nationstar can't get away with this.

I have a rental house that was vandalized by the renters in October 2009. I filed a claim with my insurance company for repairs. I hired a contractor to repair the damages. The check was made out to me and Nationstar. I sent it to Nationstar so that I could pay the contractor. I was given the wrong address and it went to a "lockbox", which I was not aware of.

4 weeks later, I contacted Nationstar who informed me it could take up to another 4 weeks to get it from the lockbox. I was told to mail the check to Lewisville, TX. I then talked to the claim loss department who said that also was the wrong address, the check needed to go to Springfield, OH. All this time, I have to pay the contractor from my own pocket to get the house livable again so I can get new renters in. Because of this, I am not able to make the mortgage payment, thinking I will get the check soon.

The check is returned to me for me to endorse it first. I endorse it and send it back. The time is now February and I am still waiting for the check from Nationstar. I finally contact them and am told they need some documents to be signed and sent back. I did that and waited. Two weeks later, I called them and was told they needed yet another document signed and returned. In one day, I was on the phone for an hour and a half. I talked to six different people and was told six different things. Each time, I was told, "I don't know why they told you that," and that they were sorry.

Here, it is middle March and I still have not received a check from Nationstar. In addition to the late fees, my house has now been flagged for foreclosure. This has literally made me sick to my stomach. Why can they hold my check for almost 6 months (and possibly longer) and yet I can't be more than 2 months late with my payment without repercussion?

I had done a modification on my mortgage last year and thought my payment was $780 a month including escrow. In January I heard from an attorney that they were taking me to court to take my condo away. I talked to Darrius H. and was told I didn't need to talk to anyone, that I needed to send in $2600.00 and fill out modification papers. I just got another paper from the attorney that there is a court date of 3/25 to take my home. I finally got a hold of Darrius and he said I wasn't approved for the one modification but they would do what they could in house and he would call me on Friday (today) after reading the complaints on this site about them I am worried that I will lose my home next Thursday. I am not sure what to do. I am not sleeping and worried if this happens that I could end up losing my job.

GMAC sold my mortgage to Nationstar and everything was fine at first. Last year (2009), I fell one month behind and Nationstar contacted me about a loan modification under the Making Homes Affordable Program. My loan was $1,272.41/month and I was offered to pay $889/month under the trial loan modification program for the first 3 months. Then after the 3 month trial period, they (Nationstar) would review my account to see about modifying my loan to make it affordable for me.

They couldn't modify the loan but could offer me a forbearance. The forbearance was a 6 month payment plan that would allow me to pay $636.21 for 6 months. This sound like a wonderful plan until I received a certified letter from a law office in Richmond, VA stating my property was set to go into foreclosure on January 19, 2010. They claim the forbearance would give them time to find a company to refinance my loan at a lower monthly rate. In the mean time, I get letters daily stating I owe the balance of the loan while I was under the program. The amount is like $10,000 of the $139,000 I owe and I don't have. So now, the forbearance trial will be up in May 2010 and I do not know what to do.

When I call Nationstar I get transferred around from person to person. No one knows the answers to my questions. Some of the representatives are rude and many of times I have been on hold for so long the phone call is dropped. Then on March 18th, I get another notice stating I am back in foreclosure and I have been making my payments. I really wish and want to stay in my home and need to know what I need to do keep it. Any advice you have would be greatly appreciated.

I was laid off from my job on 3/31/09. My loan at Flagstar Bank was sold to Nationstar Mortgage effective 10/01/2009. I had already been working on a loan modification with Flagstar since June of 2009. I have now been working on my loan modification with Nationstar since 10/01/2009. First, they needed a couple of months to get all of my documentation transferred from Flagstar. Then, I get the packet from them on 11/6/09 to send them all of the same stuff I sent to Flagstar when I started the loan modification in June.

Nationstar requested updated unemployment proof on 1/15/2010. I sent it that the same day it was requested. It is now 3/7/2010, and I still do not have a loan modification. I have been selling my bonds to continue making my payment every month (I haven't missed a payment yet). I am still unemployed. I call every 2 weeks and am told the same thing, "it's in our underwriting department. They are working on it. No, we don't have an ETA of when it will be completed. No, there is nobody else you can speak to." I am nine months into this and counting (5 months with Nationstar)!

We've tried dealing with them as far as getting help with our payments just like lots of other people here. My husband was laid off for 6 months, but the same happened to us as everyone else here. My husband and I are two more unhappy customers. I thought customer service was first priority?

First of, I had a remod, which they told me that the payments were $551 per month. They also put $9000 to the back of the loan and I paid the $551 for two months without any coupons or paperwork. Then they said I was not making the payments on time and charging for late and under paid fees. I had talked to them again and they told me they would work something else out and still no paper work and the keep raising the monthly payments which are now above $625. And since then I have reduced my taxes with the homestead program, and gotten cheaper insurance, and they would not pay the insurance and Millville cancelled for no payment. Now, I can't get another insurance to pick it up because of past non-payment.

Now, Nationstar is providing insurance for over $2400 per year and insuring my home for over $250000 when the home is only worth $70,000 at the most. And told me I did not get insurance when I did have insurance with Millville Mutual for $75,000. They are trying to put a foreclosure on me by messing up all the records and changing all the facts without informing me at all. I asked for the copies of the remod I signed but they never get back to me.

I asked for records of fees and such and never got any there either. I am in the verge of total breakdown, as I have a problem with my teenage daughter, and trying to deal with all my bills that won't cooperate with paying off. I need help before they destroy my life completely. I am in the verge of total breakdown, as I have a problem with my teenage daughter, and trying to deal with all my bills that won't cooperate with paying off. I need help before they destroy my life completely.

There is something fishy about this company. They don't strive to help during this recession and layoffs. Their website is not user-friendly to make an online payment. They use services that will charge you a fee when you try. Supposedly, during the time, Nationstar was selling my account to Citimortgage, my last payment with them wasn't calculated. So a year later, they decided to contact me and said that this payment hadn't been received and it's in collections so I now owed $800 something.

I made a payment plan with this fool David, and sent $258.00. Then, in November 2009, my husband got laid off. I told the creep about it and he acted sympathetic. I told him that we would need to make another payment arrangement in February because I had to situate our lives in survival mode. He was not at all concerned about the recession and the layoffs, especially not ours. He kept on with the first agreement and said that he would have to talk with his investors since he has left me countless messages in the past two weeks.

I don't expect much from a ** office ** so we got into it on the phone. I told him to go check with his ** and get back with me. He changed his tone on the second call because my husband was ready to intervene. When I called the billing office to find out if we could talk to a supervisor about this issue, she stated she had no information in regards to that payment in collections.

Who is running that corporation? A bunch of interns with attitudes who still live in their parents' basement? I have a small account with them and cannot stand working with these sharks. They have misplaced a payment of ours in the past, and I suspect that they have done it again for my January payment. This time, I got serious and sent my payment by certified mail. The billing department has informed me that I only owe $56.00 for March and I am documenting this online to follow up on their inconsistencies that are costing consumers.

Fight for your homes

1. The Office of Financial Institutions is responsible for regulating and licensing mortgage loan companies and mortgage loan brokers in accordance with the provisions of KRS Chaper 286.8, the Mortgage Loan Company and Mortgage Loan Broker Act.

2. Nationstar Mortgage LLC, through its predecessor in interest, Centex Home Equity Company, LLC, was issued mortgage broker license number 617 in order to engage in the mortgage broker business in the Commonwealth of Kentucky through ils principal office located at Highland Drive, Lewisville, Texas 75067.

3. Nationstar, through its predecessor in interest, was issued mortgage broker license number 794 in order to engage in the mortgage broker business in the Commonwealth of Kentucky at an office located at Corporate Campus Drive, Suite 2400, Louisville, Kentucky 40223.

4. Pursuant to KRS 286.8-170, OFI conducted examinations of Nationstar on July 10, 2006 in Lewisville, Texas and on July 17, 2006 in Louisville, Kentucky to determine whether the activities of Nationstar were in compliance with applicable statutes and regulations.

5. During the examination, the examiners noted a number of activities which the OFI alleged to be violations of KRS Chapter 286.8, among them being the following: Nationstar accepted information concerning loan applications by individuals in its employ, who at the time of contact, were not registered loan officers within the Commonwealth of Kentucky and which, if proven, would be in violation of KRS 286.8-255 and (RS 286.8-030(1); Nationstar failed to obtain approval from the Office of Financial Institutions prior to changing the name of its company in violation of KRS 286.8-036(4);

Nationstar failed to maintain required accounts, correspondence, memorando, papers, books, data and other records prescribed by the 0F1 or required by federal law both at its principal office in Lewisville, Texas and its branch office in Louisville, Kentucky which, if proven, would be in violation of KRS 286.8-160. Specifically, pending loan files and foreclosure files were not produced at the principal office; turned-down, cancelled and withdrawn loan files were not kept at the principal office; the original invoices for appraisals were missing from many loan files at both the principal and branch office; only three months of closed loan files were maintained at the branch office;

Nationstar failed to disclose on good faith estimates the settlement service providers which it routinely uses or requires to be used, which, if proven would be in violation of 12 U.S.C. Section 3500.7(e) of RESPA; 2. Nationstar failed to mail required adverse action forms to borrowers whose applications were withdrawn, which allegations, if proven, would be in violation of 5 U.S.C. Section 202.9(a) of the Equal Credit Opportunity Act, Regulation B. Nationstar failed to include complete and accurate credit score information in at least three closed loan files which, if proven, would be a violation of 15 U.S.C. Section 2 12(c).

6. Following the completion of the above examinations, the Office of Financial Institutions, tendered to Nationstar Examination Reports dated March 23, 2007 (Re: License Number 617) and March 28, 2007 (Re: License Number 794) informing Nationstar of the alleged violations noted. Nationstar has denied that it is in violation of any applicable state or federal law with regard to the conduct of its business. Without admitting liability, but to resolve this matter without further litigation, Nationstar has agreed to compromise and settle all claims arising from the Examination Reports in accordance with the terms set forth herein

AGREEMENT AND ORDER

The Office of Financial Institutions and Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC, in the interest of economically and efficiently resolving the issues raised in the foregoing Background and Factual Findings, agree as follows:

1. That in lieu of the imposition of any fine or penalty for the alleged violations set forth herein, the parties hereby agree that Nationstar shall make and tender a voluntary monetary contribution to State Regulatory Agency, LLC, in a total amount 3 equal to one hundred and five thousand dollars ($105,000), to support the Nationwide Mortgage Licensing System, jointly sponsored by the Conference of State Bank Supervisors and the American Association of Residential Mortgage Regulators, with said contribution being delivered to Bill **, Nationwide Mortgage Licensing System, Connecticut Ave. NW, Fifth Floor, Washington, DC. 20036-4306, within thirty (30) days of the date of execution of this agreement.

A copy of this contribution check shall be simultaneously delivered to the Kentucky Office of Financial Institutions, Attention: William **, Capital Center Drive, Suite 200, Frankfort, Kentucky 40601. Additionally, Nationstar confirms that it has made refunds to customers,reinstated and reduced interest rates and refunded fees in accordance with the agreement of the parties and pursuant to the Examination Report dated March 28, 2007.

2. Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC hereby waives its right to demand a hearing concerning the issues herein in which it would be entitled to legal representation, to confront and cross examine witnesses for the Office of Financial Institutions, and to present evidence on its own behalf. Further, Nationstar Mortgage LLC Centex Home Equity Company, LLC consents to and acknowledges the jurisdiction of the Office of Financial institutions over this matter and that this agreement is a matter of public record and may be disseminated as such.

3. Compliance by Nationstar with this Agreement and Settlement Order resolves any and all issues or allegations of violation of law which are within the jurisdiction of OFI and which occurred or arose prior to July 17, 2006, the final examination date here.

I waited for loan modification for months. Nationstar sent me a package of modification papers. I sent it back with all of the documents they asked for. I think that was last July! Nationstar is so unorganized that no one has received the documents. I call and each time I get "Did we send you a modification packet?" Oh yes...then I get a different mortgage payment number to pay each time! Somebody do something! Now instead of a modification already in place, I have since been laid off and now they say, "Oh well, we can't modify. No!" Get these people out of business!

I bought my house in 2004. This January and February, have been very difficult on me financially (as a lot of others). I called Nationstar Mortgage and asked for a two month deferment, they will not do it. I feel I have been a good customer. I am only asking for a deferment not a free ride. You would think they would be more willing to help.

My wife and I purchased our first home in May of 2007. The loan originally was through GMAC which was then sold to Nationstar in 2008. At closing, our property taxes were $560 for the year and our mortgage payments were $688 a month. Nine months later, we get a letter stating that our mortgage payments were being raised to just under $1300 due to an increase in property taxes. What had happened was that several residents filed a lawsuit on the county over the assessments and the state had ruled for the entire county to reassessed and reconciled, putting all current and future assessments and billing on hold until this was done. What resulted was provisional tax bills with no exemptions and being two years behind, we even ended up paying reassessed tax bills for the house for years that we did not own it.

Four times we got letters from the county explaining the situation and corrected tax information. However, both GMAC and Nationstar absolutely refused to adjust the payments back to normal. Not too long after, I was laid off from work and Nationstar began working on modifications in hopes of allowing us to keep the house. Nationstar has been working on these modifications since May of 2009 and we were just told that we either make too much money or not enough in order to qualify for any type of assistance. To make things worse, in order to catch up on the property tax bills, the county issued provisional bills for two separate years, with no exemptions. So now Nationstar thinks our property taxes are now $5000 a year.

Back in July of '09, they did a restructure of my mortgage to try and reduce my payments. I signed a paper saying it would be $680 a month, around $100 a month less than it was before. Then I got the first payment notice stating I owed $870. I called and asked why. They said they escrowed the taxes and homeowners insurance into the payment. I never signed that! I carried my own insurance, always have and was a year behind in taxes but would catch up at tax time. So we went until in October not being able to pay it, then the phone calls started, sometimes three to four a day!

I finally talked to a man named Jason. He strong armed me (with threats to foreclose) into taking what he called a Cash for Keys, Deed in Lieu. He dangled that carrot in front of me, offered two months mortgage payment as bait and said to move out of my home and they would send the paperwork to sign and I would be free of the debt owed. Funny when I called and said I had rented a house, they stopped calling me at all. When I made attempts to reach this man named Jason, he wasn't available or only got voicemail.

Then when I tricked the operator into putting me through, he explained he had been transferred to another dept. and some woman had my account. I never did get to speak to her! I have not been able to get any response from them at all. I kept getting my regular monthly statements from them telling me how much I owe and then today a couple show up at the door to serve foreclosure papers. I called the attorney and she said she would look into it. Yeah right! What happened to Deed in Lieu and the Cash for Keys? Now, I am out of my house, paying for rent and still according to the statements still racking up debt with them.

I've been dealing with this company since December 2007. I'm so disgusted and upset that there are companies out there that just don't give their clients the time and attention they need when it comes to a desperate situation of losing one's homes. I've spoken with all representatives, logged in date and time of whom I spoke to with no resolution. I've sent in my modification documents so many times and they keep telling me that I need to re submit them. They kept extending the trial period for the loan modification and now they claim that my payment will be higher beginning Jan. 31, 2010. I've been so stressed, my husband lost his job and now I just can't sleep thinking how are we ever going to recover from this setback. It has definitely put a strain on our relationship.

My mortgage had been with GMAC and was then sold to Nationstar. I started having trouble a few months ago. Several times Nationstar sent me notices that I had no insurance and that they were going to purchase some for me. This was not true, as I've had insurance from the same company since I bought the house. My insurance company faxed my policy to them at least twice.

I got my regular payment notice but see that it's for about $100 more than usual. I thought this was because Nationstar had bought insurance for me, so I sent in my normal payment amount. Then I start receiving late payment notices. I thought they had made a mistake, so I didn't pay much attention to them. Finally I called them, as they were sending more and more notices. I was told my insurance almost doubled, and that their paying it had depleted my escrow account. They added late charges to my November, December, and January payments.

I got a notice saying I should call this number, get some help with my mortgage, talk to someone, etc., like someone on the other end of the line would actually be empathetic and helpful. Wrong! When I called, I was told I needed to send an additional $200 in February to get caught up. I said I didn't have this, and she said they would add late charges for February. She also said, "I suggest you borrow the money from someone." I said, "If I had someone to borrow this money from, I wouldn't be in this situation!"

She also explained about the modification program, explaining how to sign up for it. But then she said, "You have to be caught up on all your payments before we can process this." I said I can't pay this all at once, that's the problem, and she had no suggestions or much to say after that.

Yes, you'd think, as someone else said, that with the housing situation the way it is, they would be willing to work with people to make their payments and eliminate a toxic asset. Evidently, no. I could send in extra money during the month, but that was not asked of me. They didn't seem willing to make any arrangements with me. So now they are threatening to foreclose on me.

I can't believe all the complaints about this company. This is crazy! How can this company be allowed to do business like this? At least I don't feel as alone now. I sent a complaint e-mail but after reading all the complaints I'm not hopeful that anything will come of it. This had caused much emotional stress/distress, as I now fear they will foreclose on me. I have picked up extra hours at work (yes, at least I have a job) and now I'm in physical pain, as I have a bad knee that I can't afford to have surgery on.

I refinanced my home with Centex, who turned the loan over to Nation Star. My daughter is making the payments since I and my spouse are on Social Security now. My daughter was behind on the payments. I called and talked to someone in the payment processing department. She gave me an amount that had to be paid to bring everything up to date. This was 11/30/2009. The amount was $6,904.07. I borrowed this amount and sent a certified check to them on 12/01/2009. This was to bring the account up to date through January 2010.

Later, I received another statement stating that there were other charges in total, including escrow that amounted to $2,860.09 to have everything up to date including January payment. I borrowed this amount and sent a personal check for this amount on 1/3/2010. This check was cashed on 1/11/2010. Now, I received another statement which states to bring the account up to date is $2,149.73. I can't keep this up on a fixed income. I don't even understand why charges keep coming in if I pay the amount they ask to bring everything current. I will continue to make sure the original payment is made but no extra.

My husband is unemployed and I am waiting on disability. Before he was laid off, Nationstar offered us a deal where they would deduct 25% off our loan and refinance. We were given a new account number and told where to go to the lawyer to sign papers. We went and were told there was a holdup in our papers being faxed. We left and came back. It was the same story. We were told to come back the next day. We did, the same story. We called Nationstar. They said there was a problem with underwriters, they would call.

The loan never went through. Then my husband was laid off. Now we don't qualify for refinance because he isn't working. So we did a modification. Now after 4 months, they told me my payment is now over $700 when it was originally only $500. They say it is to cover all the back payments I owe from the modification and insurance. We could barely pay the $400. How do we pay $700? They don't seem to be able to come up with anything to help. If the original refinance had gone through, we would have been fine.

I have been laid off and my husband's job has cut their work hours. I phoned NS to start the LM. They then told me that I did not qualify to take the modification because I had too much income and not enough bills. Well, they then told me I would have to make 3 trial payments of an amount higher than my original mortgage. I asked them how I could make higher payments when I was having a problem making the payments at the amount they are now. They told me it was not their problem and that I would have to make the 3 payments. I told them no and to take me off the LM program as it was a joke! This was 4 months ago. I have never been late and hopefully never will.

I still however, receive calls from NS daily about my payments. I have spoken to person after person and they are apparently a bunch of idiots. I used to be with Centex Home Mortgages and was turned over to NS and I hate this company. They are not willing to work with you. In my opinion with so many people defaulting on their loans, they should be a little nicer and willing to help the people who are current and are making the effort to pay their loans. As soon as my husband's hours pick back up, I will be leaving Nationstar Mortgage! I hate this company! They are rude, disrespectful and don't practice goo business ethics!

My story sounds very similar to the other complaints. It does seem like Nationstar is taking advantage of the home affordable program, and leaving desperate home owners out in the cold. It seems they are abusing this program and taking all they can from it. I applied for a modification in February 2009. My loan servicer was Flagstar. After many calls, they finally started on my modification in August 2009. I never missed a payment, and always paid on time. I begged, and borrowed from everyone so I could make my payments until my modification was approved. In August, I received a call, from the modification specialist, Jennifer **, that on September 1, I would start my 3 trial payments of $2203.01. The modification specialist told me not to make my August payment. When I received the paperwork, I signed it and sent my September payment.

Within 1 week, I received a letter from Flagstar that my mortgage was sold to Nationstar, and as of October 1, I should send my payments to Nationstar and that they would be honoring my modification. I have a feeling Flagstar and Nationstar are affiliated. By the third week in September, I had not received any info as to where to send my payment, account number, etc. I called Jennifer ** and told her this. She told me to send the payment to her, and she would forward it on. I finally received information from Nationstar along with a nasty letter that I was in default of my loan. I called them and told them I was in the middle of a modification. They said they had no information about that, and that maybe the paperwork has been delayed.

They told me to call back in a month. I said, "No, I will fax you all the paperwork." They agreed. I did so, and then called to verify they received everything. They said they did. Every month, I make my payment. Nationstar calls me and tells me they are going to foreclose because I am not making my contractual payments. I told them the amount I sent, the date, and that they cashed it. Miracle! They locate it. They say it was mistakenly posted to a suspended account. Every month, I call to find out the status of the modification. They give me a song and dance, and tell me to keep paying my trial payments until they get around to mine. They cannot tell me when this will be.

So I went online tonight to see where I can get some help, thinking maybe there is a government regulatory entity. No Luck. I did find this website. From what I am reading from the other posts, there is clearly a pattern of bad business practices. These people not only have the exact scenario as I do, their situation has now gone much further. I am at a loss as to what to do, or who to call. If anyone has any advice as to who we can got to for assistance in this matter, it would be greatly appreciated.

My husband and I have been working with NationStar since July of 2009 on a loan modification. When we made three trial payments, our new modification payment was supposed to automatically take effect on November 2009 but It obviously did not. They give us one excuse to another as to what is happening with our account and we continued to get letters saying that we were in default etc. In December 2009, we got a letter from Attorneys, Friedman and Macfayden, stating that our mortgage has been sent to foreclosure. At this point, we panicked and we were again assured by NationStar that everything was fine but from now on our payments had to be made via moneygram.

We send in our fourth trial payment in December and the loan was supposed to be processed by January 4th. Obviously, that did not happen again. This time no one at NationStar could tell us why. Then we see a notice in our local paper that our house was going to be auctioned off on the courthouse steps on January 28th 2010.

Naturally, I begin to flip out on anyone and everyone I can talk to at NationStar and got a gentleman by the name of Carlos at ext. 2120 to call the attorneys and postpone the auction. Now, they needed to send us another set, the third one, of loan modification documents which we sent them back again. Our attorney called them and it was stated to her that we did not need to make any payments until February 1st 2010 and we had $1900.00 in suspense. Now, they are saying that we need to send them another trial payment and here it is the 22nd of January.

Legally, they can still try and auction my house on the 28th because they have done all the legal process and they want me to send them all of my money. No one will give me anything in writing and I don't know what to do. Has everyone read all the complaints about NationStar? I have found court documents where they were investigated and they paid Kentucky $105,000.00 to stop their investigation. Are you kidding me? 70% of NationStar's monies is in FannieMae backed loans. So, in other words, they can take our trial payments every month, auction off the house and get that money and then collect the rest from FannieMae and they are out nothing. They are making bank! I want to know why no one has done anything about this.

Our credit is ruined and my kids and I have had to endure the embarrassment from the auction notice in the paper. I have a home-based business that will be out of business if they continue the foreclosure and they have caused unbelievable stress on my family. We are broke and we have done everything right and we are getting taken advantaged of because they know they can. Someone needs to help the little people in this huge world of fraudulent mortgage companies!

They offered us a Temp Contract for the Let's Make Homes Affordable Government Program and we complied with everything, made our 3 trial period payments and was told after 3rd payment that we would receive our new contract and monthly mortgage amount. Four months later and over 1000 calls to them, they are breaching there contract and going through with selling our house today. Mental stress and the fact that we are losing our house after completing there contract.

I originally had a loan through Flagstar who sold the loan to Nationstar during a modification. Flagstar claims that the modification would transfer. Nationstar said that nothing was transferred to them. I began the process with them 2 months ago and after 19 international phone calls later, I am told that I am late and that I need to start the process all over again. They claim never to get payments on time and that they don't receive mail that was confirmed being signed for. This is a lousy company! Flagstar wasn't great, but to sell my loan to this group of criminals should be illegal.

My nightmare began in June of 2009. I lost my job, and immediately tried to refinance my mortgage with Flagstar Bank, hoping to lower my payment. After paying $400.00 to get my home appraised, the value somehow decreased by $21,000 in one year (using their appraiser of course)! So we were of course denied, and began our only other option to modify our loan. After sending in all required paperwork, and waiting, calling, waiting, calling, our loan was sold to Nationstar Mortgage. We were told right away that everything submitted would transfer over, and the modification process would as well.

At this point, we stopped sending in payments, awaiting our trial period to begin (after 3 trial payments, a new loan with a lower interest rate, depending on your income, will conclude your modification) Finally, I got in touch with Nationstar, and they had no clue that we were in the modification process at all. We had to start all over! Not to mention, we were now 5 months behind on payments. We were receiving notifications that we were defaulting on our loan, and that we're heading towards foreclosure.

The Nationstar representative seemed helpful, and has reassured my family that as long as we send in our three trial payments, our loan will be modified to help us stay in our home. We have now sent in two of the three payments, and after reading about this company, are terrified of losing our home. We will find out in February, whether this will help us, or if we'll be out on the streets. I will keep you all posted.

Our account was sold from Flagstar to Nationstar 5 months ago. My husband lost his job in June 2009. He was self-employed and we get no unemployment benefits. We have applied for loan modification in August 2009. I sent 4 sets of forms to Flagstar and was told it would be 6 months. Then to Nationstar, I sent 2 sets of forms for an L.M. We get calls at least 7 times a day. The phone doesn't even complete 1 full ring and they hang up. When it rings long enough to answer it, they ask why we called and ask what we need. My husband talked to them the other day and he asked them about our modification and they told him they had all the forms they needed, but had not started processing them.

Then today, 1-11-10, they called and told me they needed 3 forms, which I have sent them twice. I told them I sent them 3 weeks ago and they told me they didn't have them. They needed them faxed! They always ask, "Why are you not paying your payment?" I got tired of telling them over and over, so I said, "No job, no money!" I explained to them there are no jobs within 75 miles of where we live. They seem to be giving everyone a shafting. Something needs to be done about them! We were told as long as we had our forms in, they could not foreclose on us, but we got 4 threatening letters in 1 day, not to mention 1 everyday. They'd save a lot on just postage if they would do their job and go through with the help they're offering. I would love to get out from under this bunch of crooks. I do not see the light at the end of the tunnel. I called "Making Homes Affordable" and they seem to be trying to help. I was told that Nationstar was giving a lot of people the run-around. Someone, please shut them down before more people lose their homes!

We refinanced our loan in with Centax who is now owned by Nationstar. My husband became totally disabled 3 months after we had the land. During the loan process we were told that we had to purchase disability insurance in order to get the loan, we did. Well after waiting for SSD payments and then I became disabled in 2003, we found out that the insurance company that was though them were only making 3/4 of our payments. Now a year later we have interest, penalties, etc. and now they take our land and we have nothing.

I fell a month behind on my mortgage due to my husband's loss of employment earlier this year. From June-September, I paid a payment and 1/4 to Nationstar to catch up my account (they do offer this plan). Since I caught up, they have had my account messed up each month. Each month, they put my payment into a suspense account, then it gets applied who knows where, but due to their error, they continue to show me behind. Each month, I have to call and they have to put in for adjustments (which they state can take up to 5 business days, what a joke) to get my account straight. In Nov. they even said I was $10 short even though I paid the full amount. For the sake of arguing again, I paid the extra $10 in hopes of finally getting the mess resolved once and for all. This still did not fix the issue.

Per the last person, I spoke with (Randy on 1/5/10) he stated my account as messed up from as far back at 6/2009. My last complaint started 12/7/09 and an adjustment was put in. It is now 1/8/10 and it still has not been adjusted to fix the error. As you can see, this is way past the 5 business days. I am trying hard to get my credit in good standing again, so I can apply for a new mortgage with a different company, but I feel that I am a victim here and they are keeping my credit looking bad, so I have no option but to stay with them. I feel that someone needs to take action against this company as they are taking advantage of people rather than helping them. I hope to soon get away from Nationstar. In the meantime, I request that their unfair business practices be looked into. Thank you!

First off, they received my payment and took the cash from my account and then in there system showed I did not make a payment after many many phone calls later that was finally fixed. Then after that, I find out that I am in delinquency due to I was on a trial payment program as they tried to modify my loan after they decided it would make my payment go up and I was taken off the trials. They said I owed the difference between the trial payments and the actual payment.

They never informed of this, I only found out because my account was now in the delinquent status, so I paid them $661 dollars (the amount they said I needed to pay to get it out of delinquent) and they told me my account was now current. Then last night, I get a call saying I owe another 300 due to they are charging me a late fee for the months that I paid their trial payment! It makes no sense, they do not know what they are doing over there nor was I aware of any of this when they put me on a trial payment and now I am suffering due to them. Nationstar is the worst Mortgage company I have ever dealt with! GMAC sold my loan to them! Ugh, I have never been late on any payment ever either!

My mortgage was sold to Nationstar by GMAC 12-01-08. My payments to GMAC were always on time .Nationstar has refused to send me any kind of statement concerning my mortgage. I tried online statement viewing but found it impossible. It's like they don't want me to know. Calling Nationstar is futile.

I am having the same problem as the others I have read about. I had a loan with Flag Star Bank in Michigan. It was in the middle of a modification when FS sold it to Nation Star. It has been two months of hell, harrasing phone calls, letters say I am late with payments and late fees. I have never been late with on my payment in 13 years. The company doesn't have any idea of hwat they are doing and need to be closed down. I ma still trying to find out if the have my payments figured out. They could have a bad affect on my credit if they don't get it straightened out. I wish someone could help!

I was with GMAC the give it to nationstar in March 2009.At which time i was going though a hardship.Never understanding why this happen. trying to work with nationstar has made me sick. with all the calls I made and all the reps. I tryed to work with. They never told me they would not refin though fannie mea.A rep. my the name of Kelly at nationstar. They give it to a atty's office which i did not know when speaking with the reps. from nationstar.I have dates and times and names of all the reps.

i spoke to at nationstar. i am a lay person But, i got a life lesson.I had to get an atty because they are going to sell my house on 1-15-2010 which i have to work fast an do what the atty. told us to do. I feel there is something going on with Nationstar after reading all the stories it is not just happening to a few people. i was never tolded about thier website, a hardship letter. they would not give me a copy of the paper work that gmac gave them.i worked in an office for over 18 years and i would never treat people like this. i have been in this home from 1974. yes we did have a hardship. yes we did get behind.

But, I feel there is something going on with Nationstar for them to do this with so many people. i tryed when i first got the letter from nationstar in march 2009 to refin. but i got all the other companies that wanted money up front before they would help. which i could not come up with $3,000.00 to $4,000.00. we only have 1 paycheck coming in. nationstar stated we make to much money. the last person I spoke to was kelly she said no she would not put though a refin. would not give a reason.

Nationstar is out there taking down people. why? I got my state rep involded. after coming across this site. i will be printing out the stories and faxing them to her to show her i am not the only one going though this. we have to work together.i will be asking my atty to review the stories to see if she can do anything.I feel nationstar wants houses why i have to find out why. if anyone wants to contact me I am not going to let this go. it is my home. letter taking my home 1-16-2010.cost me money i do not have i had to retain an atty. i cannot sleep or eat over this my husband and i are not getting along. the stress is so much all i do is cry.there is something going on with nationstar

they are scammings stating I failed to pay taxes on my home, I have proof I paid the taxes, they claim I owe late fees, when in fact, I send them a payment every two weeks they put my payment in a suspense account then after the second payment comes which makes the total payment they wait ten days before they release the funds into my loan which causes my account to be late and interest fees and late fees kick in If any one else is having the same problems please contact me to start a first class action lawsuit and contact their attorney general of their state by email, federal trade commisssion, Better Business Bureau of Texas, and the state they live in and the white house of the United States of America, then send me all copies of each to my email address, my phone number and email address is available.

Back in sept of 08 I filed for a loan modification and put up 1295.00 dollars to set up an escrow account to cover my taxes and insurance I recieved a packet where I had to get it notorized and fax it back within a few days they never set up the escrow account and now I am in bankruptcy and they say that they cannot set up an escrow account because I am in bankruptcy so not only am I out 1295.00 I am stuck trying to come up with 3500.00 for taxes which I dont have every time I speak with someone they say let me have my manager look at this and we will get back to you it has been over 3 months since I have been trying to resolve this situation with no luck I believe they screwed up and are using the bankruptcy to cover their mistake.

We are working with a customer whose Flagstar loan was sold to Nationstar in September, 2009. Nationstar is still not reporting the mortgage to the credit bureau, and we are working on a refinance.

3 weeks ago, we faxed a request for verification of mortgage. After no response, we were told to consult the website, and were told that Nationstar required certified funds (no company check, or credit card over the phone, but a money order or cashier's check) for $25 to process the request within 3-5 days, or it could be faxed back in 48 hours or less for $35.

We purchased a money order and sent it via FedEx overnight delivery. It was signed for on 12/7/09 at 8:27am. On 12/8/09, we were told they had not received it. On 12/10/09, we were told it was received on 12/9/09, and that it would be at least 3 days from when it was logged in at the right department. Now today, 12/14/09, we are being told that we will have it on Wednesday, 12/16/09. That is 8 business days. We spent $35 for a money order and $30 for FedEx.

This weekend I had an email from another customer whose loan had been sold to Nationstar; and she was speechless at the thought that she could not pay online but had to use WESTERN UNION to pay (and pay a fee to both Western Union and Nationstar). She has impeccable credit, and had collection calls from Nationstar on the 3rd of this month for her December 1, 2009 payment.

I am appalled at this company. I thought the bad seeds had been weeded out of this industry, it is very disheartening that companies like this still exist.

This mortgage company is absolutely pathetic and has the most inept, unprofessional, and unhelpful employees. We have had this company for about two years (our mortgage was sold to them) and have had nothing but problems since day one. It started from the very first month when they LOST our first month's payment. We had to cancel the check (which was sent electronically so there should have been no way for them to lose it) and send them a new one, plus the amount to cover the late payment and our bank's canceled check fee, at our expense.

This last year has been the worst. After losing one of our household incomes due to illness, we attempted to negotiate a loan modification. My very first phone call to their modification department left me in tears. The woman I dealt with was so rude, insinuating that I was not sick enough to be out of work because I was not collecting disability. After that, my husband made all calls regarding a modification.

After over two months of negotiating and multiple phone calls, they granted us a one-year forebearance, which is about to expire leaving us in the exact same situation we were in a year ago.

Additionally, in this year, they have misapplied two of our payments, and neglected to fax me paperwork that I required for tax purposes. I had to call three times before they finally managed to do it correctly.

This company is awful! I cannot even begin to describe how much stress my husband and I have had to endure simply because our mortgage was originally sold to this place. It should be very telling about how bad this company is that the very next link after their website when Googling their name is a site listing the hundreds of complaints about them. Can we say "class action lawsuit?"

Nationstar cannot figure out how to do automatic payments of mortgages. They purchased my mortgage from Flagstar, where autopay worked like clockwork as it should. But Nationstar can't seem to get it done in less than 3 months. It is not rocket science!

I have called, written by mail, emailed & faxed numerous times, and it still isn't set up. Then they want to charge you a $15 convenience fee to pay by phone, despite the fact that is their failure to process payments that resulted in needing to pay by phone. When I complained, and asked for a supervisor, they said they would waive the fee. But then they took the fee out of my bank account anyway.

My mortgage was sold to Nationstar in January 2009 . From the first month they have been hard to work with . I entered a Forbearace Agreement with them in June 09 because lost of income . Now I find out that the outcome of the forbearance has done more harm than help . Nationstar is demanding the back payments within 30 days. My home is now being forclosed . I feel like I was set up by Nationstar . As soon as I get out of this hole I would like to refinance with another lender .

After jumping through the considerable hoops that are required by this company to return my insurance proceeds so that I could get my home repaired, the company has been less than helpful in assisting me. In fact this company has done everything in its power to hold on to the funds. After having 2 inspectors come to my home, one I paid for and the other supplied by Nationstar, their inspector informed the company that 66% of the repairs had been accomplished. Only 1/3 of the proceeds have been distributed.

I find it reprehensible that their accounting system is so lacking that it looses track of these funds and have NO WAY of verifying where it went or who processed it.

This is extremely irresponsible

This all started in February of 2009, I was let go from my job due to workforce reduction. Step 1 was to call my mortgage company (Flagstar) and let them know that I lost my job and get the process started to give me and my family a chance to get back on our feet. The process started in February 2009 and after jumping through all their hoops and giving them all the financial documents they needed and 7 months to look everything over, I was granted a forbearance. And most importantly i never ever, even when i was out of work missed a single payment to Flagstar during their time of review. I returned the forbearance documents as prompted, and the forebearance was to go into effect for October, November, and December of 2009, where i would have NO PAYMENTS for these 3 months and would resume payment on January 2010.

About Two weeks after the agreement was settled, I recieved the letter from flagstar stating my mortgage had been sold/bought by Nationstar and that everything would remain the same and that they would honor all of flagstars documents. Where it stands today is I have not paid my mortgage for October, November, and December. Nationstar is threatening and harrasing on the phone with me and I have had enough of these jerks. I have done everything in my power from faxin and spending countless hours on the phone with these clowns, and nothing is working. I have all the documents including my forbearance agreement. I want out of this mortgage nighmare with these people. They have caused me nothing but stress and worry, and not to mention they have ruined my credit. If anyone can give me some advice or insight on this matter i would certainly appreciate it.

They purchased my mortgage 2 months ago. Two days after purchasing my mortgage they sent me a bill requesting a mortgage payment. I had made my normal payment 5 days earlier to my prior mortgage holder. Next month they sent me two bills.

The website has me at a higher interest rate than that negotiated with my previous mrotgage holder. The website has me listed as owing late payment fees even though I have never missed a payment. My current payment is due Dec 1st and I have called 3 times telling them to send me my statement and bill. They have not sent it.

My payment will be late and they are threatening to charge me penalties. They are operating a scam business designed to extract penalties and higher interest.

These guys are criminals. My home loan was sold to Nationstar Mortgage last year. I have never missed a payment and I was generally satisfied with my payment and my interest rate. This quarter I get a new bill with a new payment that reflected a $400 increase! My rate remained the same but the payment was $400 higher.

Of course I call immediately. None of the lower level C/S reps could tell me what had happened. The kept on saying that GMAC never collected the correct amount of escrow and that my taxes were going unpaid. They needed an extra $400 per month to catch up. "that's why the government gave us the loan, because GMAC was not doing the right thing" What a [lie]-- my taxes are paid in full each quarter. The town would never let me get behind. Losers.

So finally arguing with 3 different pin heqads I get a manager on the line who basically told me that they wanted to an extra two months of taxes and insurance in escrow. He kept on telling me that GMAC had neglected to do that and that they were just trying to fix the problem. I highly doubt that GMAC would overlook this type of thing. I am sure that at the closing table I paid everything that I needed to close that loan. I told them that I could not come up with $400 and that since I am not in default in any way that I would keep paying the correct amount.

They can pay my taxes with the money that I deposited each month. That was not good enough for them. They wanted me to re-fi or do a loan mod. No! I can make my payments I do not need a re-fi or a loan mod. They are just trying to sell services. Stay away from this group! I am contacting the attorney General of NJ and also NJ banking authority. This is extortion nothing less. ANY NJ LAWYERS OUT THERE WANT TO SUE A MAJOR MORTGAGE BANK JUST CALL ME. These people have to be stopped.

When I got a loan in 2002. I thought I was getting a fix loan. Instead I got ajustible loan which was my fault. I ask NationStar can I chang it. Which was a year and some months later. They said I will have to fill out a loan application. It came back declined, my house note jump $542 to $633 - $733 - $833. NationStar wrote me and and said my house note was going to be $1286. My house value is only $67000 and I owe $53000. I orignally went to them with Good credit. But 2 daughter in college, Divorced. Paying fo their vehicle, Taking care of my granddaughter while her mother was in college, giving allowances, tuition, room and board and Insurance. I trying to consolidate my bills and get my house note down. They said I came to the right place and the would gladly help me with my situation. I am only asking some loan or morgage company to help me lower my morgage payment. I am not asking any one to give me anything. I got myself in this mess, just someone who is willing to work with me in getting me out of it. meaning a lower payment and not at 16% interest

nationstar has made us take out a loan of 3500 dollars cause they refused our house payment and keep telling us they are gonna forclose on us now my wife just had emergency surgery and they still wont work with us and they got our credit all messed up so if anyone out there can help us let us know please

My wife and I applied for a loan modification with Nationpoint in April 2009. After a month and for the next 4 months Nationpoint denied receiving it. Then, in September, we get a denial for a modification. They tell us to reapply. We did so. I told them I had no problem with the principal I was responsible for. I only wanted them to reduce the interest rate by a couple of points (from 7.25). 57% of our income is used for mortgage, taxes & insurance. They again denied us because, they say, we pay our bills on time. I recently heard Nationpoint is owned by Bank of America. Didn't they receive billions of "bailout money" to help people out? This uncompassionate company is run by a bunch of blood sucking leeches.

Two months ago my mortgage was sold from Flagstar to Nationstar. We have never missed a payment with Flagstar. Our mortgage would come out like clockwork on the 15th of every month. The first statement that we got from Nationstar was incorrect. It doubled our mortgage payment.

After contacting Nationstar, I was told that it was a software glitch and it had happened to everyone. It was a great first impression. I paid my first month with them while I had them on the phone. The next month came around and we had a mysterious late fee on our account. I called again and was told that the late fee would be taken care of. It was not. Also, the next payment that was made over the phone with one of their representatives was imput into their computer with a mistake for one of the numbers in our checking account.

Of course, the bank returned the check. With no notification that the check was returned, my wife got a very threatening phone call saying that if we did not send them a money gram they were going to foreclose on our house. We did not send the money gram. They will not accept our payment in any other form. They also said that we were a month behind on our payment because of the initial bill which was doubled because of a software glitch.

I am actively seeking to refinance with any company other than Nationstar. I will settle for the same interest rates. I want out of the Nationstar system before they ruin our credit. There has to be something that I can legally do.

august 2008, started to suffer some financial problems. had gmac mortgage until jan 2009 when gmac sold to nationstar. contacted nationstar in late feb 2009 about "loan modification", was advised that info. would be sent to me. march 2009 received info. and completed all required, set as instructed to nationstar.

june 2009, had not heard from anyone, i called and spoke to customer serv. rep. stated that they had no information about my request! i asked to speak with "manager" was not allowed! was advised that "someone" would get back to me! after several letters to nationstar, july 2009 i received a package with instructions for apply for "loan modification" submitted with "first payment" started to get phone calls that mortgage had not been paid! i advised customer serv rep that i had paid under loan mod. plan.

i again sent letters to loan dept., pres. of bank and research analyst dept. in sept. 2009 requesting assistance with loan! received a letter from emily neal, research analyst asking me to provide "all the required" form and was again provided another list of paperwork needed! within two weeks all was sent/faxed as per instructions. oct 20, 2009 received a letter from emily neal of nationstar, states that since i had not followed up with request to submit information to be considered for "loan modification" a second deadline was given to me of nov. 3, 2009.

on oct 23, 2009 i again faxed all the required to two seperate fax numbers given to me, i also e-mailed emily neal and sent a hard copy attention to her by certified/return receipt! it seems to me that nationstar has done all they could do to prevent giving me the oppertunity to qualify for the "loan modification program" financies have got so bad with me and my wife that i have quit paying credit cards and have only enough monies to pay the mortgage, utilities and grocries!

i have months of sleepless nights wondering why nationstar will not address/work with us with this matter! have considered forclosure, walking away from home! not able to obtain a second job due to some health problems! my wife is looking for second job, but she works all day from 6am to 6pm, will look for holiday helf at malls!

we have fallen one month behind in our mortgage paymet due to an 70% loss in our annual income. we have asked nationstar to please let us change our due date until the end of the month or could we possibly remove the pmi of $81 a month, which makes no sense to me at all. they are not willing to work with us. they call us with no problem when we fall behind but once we are caught up, we cannot get ahold of anybody

NationStar first alleged that I didn't have insurance - ok I can deal with that. Then that I missed payments - I can't deal with that! Now - they say that there are reversals - what is that? Then that we have paid by check - never.. Then that as of a certain date that they would no longer be data from phone conversation - in other words they were deleting coversations. Who is this place and what are they trying to do? We should start a class action agaisnt these bad bankers.

my account was transfered from GMAC to NationStar. The agreement I had with GMAC was for a fixed loan. On septemebr 09, NationStar sent me later stating that by interest had increased. When I called I told them that I wanted the same RATE than what I had from GMAC... They now claim that they did not receive the remode from GMAC. I will need to it myself. When I asked them whether I had to re-apply for a re-mod, they immediatly discussed selling my propety. I need to wait and see how they react to my mailing them all the needed information

Nationstar Mortgage does not acknoledge receipt of any payment on the statement or on the website. When I sent in a principal payment they applied it as a partial payment of the next month and did not acknowledge receipt of the payment anywhere. I had to call them to find out what happened to it.

Learned that my mortgage has recently been sold to Nationstar Mortgage by Flagstar Bank when I inquired about refinancing my loan. Flagstar advised that the mortgage had been sold and they could not do the refi. They told me to contact Nationstar directly. When I contacted them, the service was absolutely appalling. Not only did the customer service representative shout and reprimand me when I could not give him an account number that corresponded with what was in their system, he was awfully rude.

I honestly have very low expectations about how this is going to progress going forward. After being a customer with Flagstar for over 2 years, paying consistently on time since the inception of the loan, I would have expected better service than this. In addition, the on-line complaints about Northstar mortgage do not give me any comfort.

I was with GMAC mortgage for many years and suddenly get a letter in January 2009 that I am now with Nationstar mortgage. I had lost my job 8-08-08 and was working closely with GMAC on my payments because I got behind and was certain I had it down to the penny. When I got my next statement from Nationstar it was quite a bit different.

I called and they told me all these things that completely confused me and that is where my nightmare has started. They failed to pay my homeowners insurance, my property tax which was all part of what GMAC had always done for me and when I got 3 months behind they recorded it in the county recorder of my default and pending foreclosure which I found out through a local real estate agent. The recording stated that I had not paid one payment to Nationstar since January 2009 which was an outright lie.

I am both frustrated and scared to trust anything they say but I am determined in one way or another to keep my house. I can't believe that no one can do anything about this situation. I am a single mom on unemployment and all they have told me this year is that they cannot help me until I get a job. I never realized until I got onto this site that others were going through the same type of thing with this company. Is there no help out there for us?

I never had any problems with GMAC when I was with them. Ever since Nation Star has the loan I have had multiple problems. First off I want to state that I have never been late or ever missed any payments, EVER! Nation Star offered half of the services that GMAC did and they are more expensive for all the rest.

the latest is now the home insurance on my hose. It is full force and has not changed and all the payments are taken oout of the escrow. This has not changed. I contacted my insurance carrier and they contacted my provider and Nation Star to give them the proper information.

Today i received a very threatening letter that "to protect THEIR interest THEY are going to obtain insurance for me.

I called and they want me to do their work for them by getting all the paperwork and faxing it to them, I informed them that my insurance company would be doing that. I was told that they don't always get all the info they need from the insurance carriers and if they don't get it all they won't apply it and I still will be subject to this hell that Nation Star likes to dish out.

I am not going to continue to deal with a company with much incompetence in dealing with their own customers and to do the job. I never asked for them and if they are going to buy my loan then they should do the job better and make it easier for me. I have nothing but false allegations and threats from Nation Star, their telephone IVR system is a mess and you can never speak to anyone above a rep who answers the phone.

They don't provide telephone numbers with the threatening letters so that you can not call them to complain of the lousy job they are doing again and again. I am filing with the Better Business Bureau, state officials, and I will try to remortgage with another company asap.

nationstar bought our mortgage from GMAC and did not offer half the services and now a year latere im getting letters saying that i have no hazard insurance... It seems like they can play by their own rules when its good for them and to get someone who knows what to do or knows what they are doing would be great ... now they are saying im 4 months behind in a letter sent out in july but header dated Sept 2009... unbelievable there should have been a law for mortgage buyouts if you dont offer the same services then you cant buy the loan this is the 4th problem in less then a year... never had a problem with GMAC... dont know what I owe what insurance I have or who theyare paying on mysehalf.

When Ditech sold our mortgage, our world fell apart. We began with an attempt to contact Nationstar for a loan modification. My health issues took me out of the work force. We were told what documents were needed and how to send them to Nationstar. Those documents were readied and I faxed all (eight) pages to Nationstar. My fax machine printed the confirmation "sent,OK". Several months passed and we were close to losing our home. We contacted Nationstar and we were advised our loan modification process was never started because our necessary documents never arrived. I explained that I had a fax confirmation and I sent the documents months before. Nationstar advised us at that time to re-send the documents. I was so frustrated that I contacted FHA and they led us to another government entity. It appeared whatever and whomever we contacted that Nationstar was always contacting us with phone calls about late payments.

We are still in the house and Nationstar sends us various faux ways to modify our loan. However, there are stipulations in their programs that make it relatively impossible for any type of loan modification. So, we are trying to sell and every payment is an act of God. Never in my 50 year life of dealing with people have I ever dealt with people like those at Nationstar. These folks are truely inept, living on the edge of ethics and law. I totally agree, there should be a class action suit against Nationstar.

I contacted NationStar in December of 2008. I wanted a loan modification. I had already contacted Fannie Mae who had told me I was eligible for 'an early workout program' or 'refinance streamline'. When I spoke to NationStar I mentioned my contact with Fannie Mae. I was given the name of the Loan Modification Team Leader and his direct phone number. A Mr. Brandon A is the Manager for the Team and Ron Thomas is the VP in Charge.

I contacted them again in March and got nowhere. I went to HUD counselors to be sure everything was being documented. A person in the Loan Modification Team (Eric) spoke to us on the phone and said I was to fax them a package of items including a hardship letter. I faxed the package and sent it to them Fed EX with Signature required to the Loan Modification team. It was signed for and received by the Loan Modification team. I was to wait 60 days to get an answer. I did, and called them back and was stone-walled.

Clearly we need a class action suit to be sure they understand they need to be honest and act in good faith. I called Fannie Mae and told them that Nation star was non-cooperative with the President Obama and Fannie Mae rules. NationStar was placed on a list. They apparently feel that they can pretty much ignore everyone. We need to encourage them to change their mind. I hope my information has helped some people out there.

I know that may sound like I'm ranting, but I do think that this company has taken my parents money for the last ten years and also have no been clear on charges and rate increase during the time we have been doing business. Finally being on your site and see other peoples complaints - it seems that they pray on the elderly and the there lack of knowledge of the way that these companies work.

I don't want to refi in this environment but I would like to know if there are legal remedies to get them to apply payments correctly. I probably need an attorney to make sure that I get the payoff applied correctly in the future and that they record it properly. They are not trustworthy. The only good thing about the housing bust is that prople will look more closely at their potential lenders and certainly will avoid this con game.

In 2007 they let a D. Darling take aout a 75,000.00 mortgage on my home. It was all paid for. Claiming he was married to me, in fact he was not.I had a durable power of attorney in place, naming my brother as my spouse of 30 years passed away. Nationstar variable interest rate is 10.8 % when I live on a fixed income and disabled. There practices are deceptive, predatory and in bad faith.

I do not understand how with my income at that time was 650.0 a month, a mortgage was given with payments that high, my debt to income ratio would have been 100% to Nationstar. They refuse to negotiate and put me into a fixed rate low interest rate. They never respons to letters asking for modifications. Instaed I received a 20 day foreclosure notice adressed to Occupants. After filing response to complaint a sheriif then served me with complaint to foreclose.

Put me in dire finacial straights, losing my home. I am disabled and distraught. I woould like to see a lawyer resolve this on a contingency basis

Lost work time-- 4 days total since dealing with Nationstar and their SMP. They also claimed to have lost a payment but I sent it priority wtih tracking and copied all documents including the checks sent. The stress of having a problem with a company that is supposed to be helping has been unreaal.

After falling behind on my mortgage payments, Nationstar Mortgage (which is my lender at this time) offered me a Streamlined Modification Program plan.

They asked for documentation, which I provided.

They then sent me an offer to lower my monthly payment and my interest rate. They added 15 years to my mortgage (I only have 25 years remaining and they offered a 40 year loan modification.

The stipulation was to make three payments, March, April and May.

If I made these payments, the loan documents would automatically be modified and my first payment would be due (for the new, modified loan) on June 1, 2009.

I sent all of the payments as requested and even paid UPS for fast delivery to ensure all payments were on-time (including my new modified "first payment", which was due June 1).

On June 1st, I called Nationstar (which I did after sending each of my payments, only to receive voicemail, which I left a message that "my payment has been mailed") to ask when I would receive a "new mortgage statement" because I still have not receive a revised statement that shows the new interest rate and escrow payment (this was all outlined on the loan modification papers, but I figured I would receive a regular statement.

Instead, on June 1, 2009, I received a letter from Nationstar Mortgage stating that I had 35 days (from the letter date), to pay all outstating payments (the months that I am behind) or they will begin the foreclosure process after July 1, 2009.

Instead of hearing "everything is fine" (as I heard after the first month when I received the forclosure notice and called Ditrik)I heard; "that program has been canceled and you have to apply for a new modification program".

I couldn't believe what I was hearing!

After making the 3 trial payments as well as my "first payment" for the modified loan, I was told that I was no longer in a modified loan and would have to send them the finacials again so they could see what program I qualified for.

I looked up the SMP (Streamlined Modification Program) and found that it was replaced by another program, AFTER they offered and I accepted this program.

At no time during the trial period, did Nationstar inform me that "there was a problem".

After my first payment, I called at the end of March, or early April and asked why I was receiving the old statements that only showed a partial payment as well as had late fees.

I was told that that was normal and to disregard everything I recieve because I'm in the SMP and it will be modified after the 3 payments.

Just keep sending the trial payments.

I have no idea what to do at this point.

I have everything documented, copies of the modification agreement, the three payments as well as the first payment for June first. I even have the UPS tracking info to show I was not late.

Instead, they said "what part of this don't you understand".

Help!

i had 20k dollar tornado damage to my property 5/2008. My insurance company came out, sent me a check and made it out to nationstar. I was told that i would get 3 checks sent to me. (1/3) to start (1/3) midway and final at completion of job. TODAY IT IS MAY 2009 and i still have not recieved my final check.

My husband and i call daily. we get passed from person to person. We keep getting the same answer...there is not a field agent in my area to do a final inspection..but they keep assuring us they will find one. Meanwhile, ive had a contractor threaten to put a lien against my home and i drained my savings account to zero to pay him off just to keep from this happening.

Surely someone out there can direct me to someone who can help me get my money. better yet they should be paying me interest or something. i have no money to hire an attorney "obviously". because of this long drawn out situation i am now behind on my house payment because i no longer have a savings account to fall back on.

Nation Star Mortgage made changes to my payment under false pretenses. They told me several different stories as to how they came about the reason. Nation Star tolde me my taxes went up when in fact they hadnt, I received a new tax bill prior to thier assumption. After I called them on it I was told they were going on last years which wasnt true either. Then I was told that it was a guesstimate even though prior I was told they were told by the stet that they went up.

They havent fixed it yet and we are being over charged each month and it is putting us in a financial hardship. they want to offer aloan mod but it wouldnt fix thier mistake. They also are telling me we have to start paying more each month a cushion other than our PITI. They keep teling they are looking into it but its been about a month and nothing. We do not have 900 a month to pay them so its very hard and we are accumilating late fees because of thier negligience.

In April 2007 I was having some financial troubles due to divorce and was contacted by Nationstar about refinance my home. My credit wasn't good and they said no problem. They would sign me to a ARM with a high interest rate, and if I made all my payments on time for a period of one year, they would rework my loan without having to reappraise my house and no additional closing costs. After making all the payments on time for the year, Nationstar told me they have no such program and I would have to refinance again and pay all the costs again. The housing market dropped making refinancing impossible. They are not even willing to modify my loan in any way. Foreclosure is imminent.

Back In may9,2008 I lost my job with a mortgage company I bought my house from nation star in 2000 when I lost my job I called to see if they would work with me and get me off this arm loan I was on that on unemployment I couldnt pay no 1200 a month if they would except 600 a month they said no and I would loose my house well Jan.5 2009 they put my house in sherriff sale and bought it back on Jan.6 2009. Icalled up ther to tell them I have a job and see if they would work with me now they said no get out. I would be hearing from a REO realtor telling me how long I have to get out you would think they would take 600 a month instead of kicking me out on the streets well im still in the house and its 4-10-2009 they still havent sent me nothing to tell me how long untill I have to get out.

On 12/30, I was left go from my 150k position as a sr. project manager due to economic turndown. The company called it a RIF (reduction in force). Since that time - knowing I was not going to find a position quickly - I called nationstar mortgage, who hold my mortgage. I explained that I would be seeing an issue soon and need to begin talking to someone should that occur. I completed the checklist and forwarded copies of unemploynment infomation etc.

Since Jan 2009, I have called 22 times, left email messages on the web site and searched for other means to get their attention that I want to work with them to resolve future issues. I even sold my only tractor and other items to make the payment so I can keep my home.. yet I call, mention my situation to the customer service people. and they transfer me to a person that has left the company?? There have been several professional people I spoke to.. that took the ball and attempted to get in touch with the right people via email.

Now, I am in that OMG state... and do not know what to do. I certainly can not make a 1600 payment on 200 a week. in fact, if I make even a close payment in the next 2 day (which I will) that leaves me with 5 dollars for 2 weeks. I mentioned if they do not have the staff - hire me.. an MBA with 30 yrs experience. I will be happy to work to get people like me un-scared....

At this point, there is a real potential I can not make full payments... and may loose everything in a matter of months....

We were told that our present mortgage company was going to write off $15,000, pay all closing costs and we would lower the interest but 3 1/2 points. The paperwork says we are to pay the closing costs. They failed to contact us and let us know the appraisor wasn't coming out the first time and then called to ask if he came out a second time which we didn't know about, but he did come the third time. We have already paid for the appraisal and haven't heard on that yet. Our attorney says not to do this due to Nationstars history of false promises and numerous complaints. Why does the government allow these companies to operate? Are we out the $350 for the appraisal now? Probably. We will of course tell them to forget it now, before anything else happens to us, like all the complaints I have read. Can they be sued for false truth in lending practices?

So far a loss of the fees for appraisal, loss of time waiting for the appraisor to show, and now we don't trust anyone to refinance our loan. Also, it probably affected my husbands credit score.

Back in December I was bought out from my previous Mortgage company GMAC. I was sold to Nationstar. Since then I have had nothing but total stress from this company. I am on the bi-weekly payment plan originally from GMAC. They said that they would honor this plan in the paper work that I recieved when I was originally bought out; however they called me constantly at work looking for payment because it was still going through GMAC. They seem to be getting the funds now, When I look at my statement it says that GMAC is still drafting the funds. On top of this I recieved a letter stating that my escrow is going to be short. Nothing has changed in my house insurance or taxes. I was current with GMAC.

Then Nationstar changed my payments by $88.99 more. I called company that does the biweekly plan and sends it to Nationstar. I asked what my bi-weekly payments would be. The person who was assisting me had no idea that the payments had changed. Nationstar never informed them of the changes. So know I have to pay an extra 88.99 for this month or they will hit me with a late charge. I know the company does not do the biweekly draft. But that is how my loan was set up with GMAC and I intend to keep it that way. It seems that they are doing everything to make me drop my biweekly plan. Also when I spoke to the person in the escrow department she was saying that they needed a two month padding. Thats not how it was at GMAC.`

I had a mortgage with Nationstar and began having financial trouble I tried for almost a year to sell. I work extremely hard with my realtor to make a sale. I was able to get someone who was interested but it would have required a short sale. Nationstar refused to even consider it and told me they want me to suffer and to pay for my mistakes. They will be foreclosing on me. And they did.

Now almost two years later they are continuing to call and harass me threatening me.. saying they will not go away and they are going to send someone to my work if I dont give them my new address. They are now calling and harassing my employer. I dont know what it is they are expecting from me. This is NOT a company that should be in business. They are extremely unprofessional. I have been in tears after talking to managers there. They tell me what a horrible person I am and they will not let me get away with walking away from my responsibilities.... they are horrible!!!!!

My father has spoken several times Chandra at Nation Star Mortgage LLC and they have refused to help my dad in anyway he has a mortgage with them and has had it for several years and every time he asked to see if they can even remotely help they have always laughed at him and say they have not been applying his payments to his loan what so ever because needs to pay them more money.

So my brother sets up a meeting where i was assured a 6.14 loan fixed at 30 years witch was going rate of te times. So upon agreeing they informed me due my busy schedule they could have a signing team and notary come to my office and sign in a matter of minutes.

So team shows i am able to give a good glancing over the documents witch seemed in order. 6.14 at 30 fixed now the over all costs had gone up over a 100 % from 4995.00 to over 11,000 dollars but with this being good for my brothers family and my having obligations in other places i remarked upon the increase and marked a document during signing . the complaints where to no avail in that at 12:00 that day my terms where up for renegotiation and signing time of course was 1:00 in afternoon.

Well come 3 yrs later when i am notufied about rate increase to 7.75 on an interest only loan i ab out had a stroke . in going back and looking at documents that signing team sent me 2 weeks after signing i must admit that they had spelled out the adjustable loan and the interest only .

this went on for a year until i was finaly making funeral arangements and had returned to work.

It was twoo weeks after my fathers funeral that i was notified that the rates would increase yet again after 1 and 1/4 years of steady payments at increased rates. needless to say at one point i was faced with decision of wich bills to forgo and witch to pay if i where to keep mortgage company happy.

and in six months we would revisit.

So i start with new payments but am forced to pay rather than at begining of month the end of month right before 30 day late due the fact that i am still trying to catch up on all payments rthat had been set aside while paying exorbinate rates.

I finally get my homeowners association to agree to being payed by mortgage co. if i can restructure my loan so now i start contacting mortgage company whom i am told tghat they can probably work with me on all levels of problems in lates home owners assciation and bringing rate down to reasonable amount.

Yet after notifying H/O i contact mortgage company to find that they cant work with me due to time frame and that they would require a large payment in giod faith of 3000 dollars that i wouldnt be able to obtain until after my next paydaywitcjh was of course was to late in that they had to have it that day,now call me paranoid but at this point i have zero confidence in there motives and keeping any promisses they are to make.so even if i had it i am not sure i would send it without somthinhg in writing.

So now that they are unwilling to work with me and they and myself have allowed to get to the end of time frame that there was a possible fix i guess i have two choices look for a buyer in short sale so mortgage company wont track me down for there losses on property or walk away and accept the losses at auction that mortgage company holds and charge back to me

Had anadjustable loan with them. Tried to refinance when the rate went up, they denied me, but took exactly 90 days so they could charge me prepayment penalty if I went somewhere else. Which I did, they tried to get me back then with a fixed loan and their actual closing costs were 300 % of my actual loan. Their message to me was I need to pay money whether I stay with them or leave them. They deceived me, tried to lock me in my adjustable and run me through foreclosure, they took advantage of their situation. Tried to talk to them, they offered to repay half of the penalty only, and last time I sent a letter they totally ignored me and sent me back an answer from a different company pretending they do not know me nor my file.

When I refinanced my house i wanted some extra cash to remodel the house. Did not plan of penalty, as a result half my house is remodeled, the other half is still pending with damages needing to be repaired, apparent mold, unhealthy situation affecting our health, and a lot of anxiety, a stressful family situation.

I am taking this opportunity to share my discontent with the company and the representatives I have worked with over the past 2 months. They have shown absolutely no professionalism, courtesy or customer service skills. I have been in the process of trying to secure/finalize a FHA loan for well over 2 months. Sadly I have received very little status and NO direction as to what can be done to help complete this process. I have supplied any and everything I was requested and I feel I am no closer now than when I 1st applied for the loan. My loan officer that prequalified me was Matt D. who has since totally abandoned me. Left voice mail message on 5/30/08 @12:57pm requesting status and assistance and never received any reply at all.

Contacted office on 6/3 and spoke with Kemo, requested he have Matts manager call me and never called. The processor handling my case was Chelsea Giles and she did a horrible job as she was in process of moving to new job within the company, so she provided no movement or updates on my loan. Next I was passed to Alisha G., who worked to get all necessary paperwork and get it into underwriter's hands. My problem with her is she gathered info and then went on a vacation from 6/19-6/24 and I could not receive any updates. I was forced to wait until 6/24 to receive the following: "the sales manager has the file right now, so I am not sure what the status is" and this is my latest update. I have had a couple of refinances, but never did one referred by the Lending Tree. This is truly the worst experience I or anyone could go through.

On 6/27/08 received call from Brian, the area manager and he spoke as though we would be setting closing date on Monday the June 30th, received no call and left message for Brian that has not been returned to this date. I then contacted Alisha G. Sr. Processor on Monday, June 30, 2008 1:51 PM and this is what she wrote back: " The file has to be reviewed by our underwriter her, once they have given the ok we will send it to our investor. The investor will then review it and make sure they have everything they need. This process could be another week or two before we can close."

I then sent following on 6/30/08 @ 2:14: "Is it possible for me to get clear, concise accurate information so I will know what is actually going on with this loan. Brian has stepped in and I am still receiving conflicting information on this loan. And now I am being told we are looking at another week or two, that is unacceptable. Please have Brian call me asap." Alisha's reply on 6/30 @ 4:12: "I just got your file back from the underwriter and they are not letting it go because the student loan isn't 1 year out and FHA requires it to be deferred for 1 year. You also need to make your June payment", and this is the last update or contact I have had. All this delay has caused me to be late on my June payment, which will affect my credit score if I try to work with someone else and then there is the time I have lost and the $495.00 I could lose.

Also, I had requested deferment for 1 year on my student loan and had it approved, but due to the handling of my file, the original deferment is outside of FHA guidelines and I have been requested to request addtional month or two to provide the year deferment again. I just really wish that the company would have been more honest and upfront with me about whether loan would go through or not and not lead me on for so long. I don't want anyone else to be taken advantage of or treated as I have. On 7/17/08 received call from Holly F., (FHA Operations manager) advising she was sorry and explaining that the group that was handling my FHA refinance request was inexperienced. Now, after over 2 months and I received a call to be told that.

I can't begin to express the emotional stress and frustration I have endured during this whole entire ordeal, but I have never once been disrepectful to anyone I have dealt with. The economic damage that has resulted is this has caused me to become late with my mortgage payment for June which in turn damages my credit score. I worked with credit repair agency to put myself in position to better my credit score in order to get the best interest rate so I could refinance my home and eliminate some of my debt. This is totally destroying all that I worked to accomplish. And this senseless delay and incompentence has caused me to miss out on other possible refinance opportunities.

Two weeks ago we try to pay off a home loan we had with Nationstar Mortgage who had evidently bought the original loan from Centrex.) After receiving a call that we were overdue, I spoke with several different service representatives all of whom told me that they had not received the check. I finally spoke with a supervisor (Chandra) who told me that they had sent the check back to us because anything over $5000 had to be a certified bank check and that we would not have included our Prepayment Penalty. I told her that we did not have a prepayment penalty. Knowing that we would pay off this loan early, we had specifically asked that question ( I had my notes used during the interview) and had been told no. She told me that there was such a penalty. I asked to speak to the Customer Service Dept. Manager.

Mr. Derek Taylor took my call. He once again told me that all their morgages had a prepayment penalty and that if I looked through my contract I'd find it. I once more explained that we had questioned the agent about this and he had assured us there would be no prepayment penalty. He said that he could not take my word for it and that he could go by nothing other than the contract. When asked if I could speak to his supervisor he informed me that he was the only one who could help me. Then, he said he would review my contract and get back to me within three business days which would be on Monday, April 8th. Needless to say, he has not returned my calls. Since then I have sent an email to the customer service representative but have yet to receive a reply.

My husband and I have since reviewed the contract and did find a prepenalty clause ... one that states that there MAY be a prepenalty fee and that we are to discuss that with our agent...

which of course we did. In all probability, we might have signed that paper feeling we had done our part in our negotiations.

Another complaint that we had against the company was that we have never received our home appraisal documents. Again, I have to admit that after I sent a letter requesting it (within the thirty days as per our contract) and several phone calls, I did let the matter die... Thinking back on it now, I should have realized then that we were dealing with a company that was going to be a problem.

Please be very careful dealing with this company. They are obviously one of those mortgage companies that are practicing deceitful tactics and ploys in order to get your business.

Besides the fact that we are paying the prepenalty payment (only $155.99) we have not really suffered any real damages. It is more the principal of being treated in such a manner that is so irksome and also the chagrin of having been so stupid to believe that we were being careful consumers dealing with reputable agents.

My husband and I refinanced with Nationstar in Feb 2004. At that time our credit was a little shaky and we were told in order to fix it, we could get an adjustable rate mortgage and with in 2 years refinance. Our mortgage loan originator, Joseph Conway, at the time advised us that at no given time could our rate go up more than 1% in years time.

This past year we have had several financial difficulties due to the economy. My husbands job fluctuated in pay for several months and we fell behind. We made several attempts to make a mortgage payment in a half to Nationstar to save our house, but we were informed 4 weeks ago that our first mortgage was going adjustable in July and our mortgage payment would go up more than $400.00 our rate from 7% to now 10.55%.

I called Nationstars' Fannie MA refinance division in hopes that they may be able to help with the ARM problem. The first person I spoke to about refinancing call me back several days after putting in paperwork and tole me that there was nothing they could do, that my husbands score was 7 points away from refinancing and they could not help. I got a call about a week later from a woman named Ebony who also said she was from Nationstar's refinance department. I told her that we had already spoken to someone and they had told me that they could not help us. She explained to me that she was from ANOTHER refinance department within Nationstar and she really thought she could help.

I told her that if they could not refinance us we would most definitely have to let the house go to foreclosure. She contacted me for several days to get information, and they one day I received a voice mail stating that she could not help, but that we needed to make the mortgage payments for another year before they could help us. At this point our house is heading into their legal office and will be going to foreclosure. I am amazed at how many lenders have done this sort of thing to people and I can see right now why foreclosures are at an all time high. The bank would rather sit on a house that they are not going to be able to sell rather than help the homeowner make things work.

We are losing our home.

We have since declined offers thinking we had been approved, we are physically out 350.00. Due to our credit score being lowered by searching options we will now have to wait many months for our score to go up to qualify for another loan. This will now impair our ability to prepare for our son to attend college. This is not to mention the stress and mental anguish of being scammed in such a way.